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Embeco

East Longmeadow, MA · Charter 67918

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Embeco

East Longmeadow, MA · Charter 67918

Q3 2006

$5.4MAssets
$1.3MLoans
$4.6MShares
$830KNet Worth

Executive Summary

  • Earnings: ROA of -6.32%, down 638 bps year over year; NIM at -2.73%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY).
  • Capital: net worth / assets of 15.28%, down 197 bps from a year ago.
  • Funding: loans stand at 27.80% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

-6.32%-638 bps YoY

Net Interest Margin (YTD, annualized)

-2.73%-537 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.28%-197 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.08%0.03%0.06%0.05%0.11%-0.90%-0.77%-6.32%-638 bps
Return on Equity0.49%0.17%0.38%0.30%0.60%-4.89%-4.14%-41.39%-4,169 bps
Net Interest Margin2.81%2.38%2.49%2.64%2.84%2.53%2.61%-2.73%-537 bps
Efficiency Ratio96.61%98.83%91.98%90.45%88.46%114.96%102.57%n/an/a
Growth
Asset Growth (YoY)-4.47%-2.98%-7.34%-6.80%-9.78%-13.68%-11.05%-13.50%-670 bps
Loan Growth (YoY)2.26%1.01%2.37%15.46%11.99%14.79%7.77%-5.87%-2,133 bps
Share Growth (YoY)-5.10%-4.49%-8.59%-8.13%-11.89%-15.22%-12.99%-11.59%-345 bps
Asset Quality
Delinquent Loans / Loans0.00%0.19%0.35%0.00%0.00%0.00%0.32%0.11%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.50%1.41%1.50%1.50%1.50%1.50%1.50%1.50%0 bps
Capital
Risk-Based Capital16.64%16.09%16.75%17.26%18.56%18.52%18.53%15.28%-197 bps
Net Worth / Assets16.64%16.09%16.75%17.26%18.56%18.52%18.53%15.28%-197 bps
Liquidity & Funding
Loans / Shares21.95%20.52%22.38%26.11%27.90%27.78%27.72%27.80%+169 bps
Liquid Assets / Assets32.19%33.77%31.12%27.55%18.49%22.02%0.00%0.00%-2,755 bps