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Crobank

Westminster, MA · Charter 67966

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

Crobank

Westminster, MA · Charter 67966

Q3 2006

$1.2MAssets
$478KLoans
$952KShares
$201KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.27%, up 149 bps year over year; NIM at 6.06%.
  • Asset quality: problem loans at 25.24% of loans (+29 bps YoY).
  • Capital: net worth / assets of 17.45%, up 149 bps from a year ago.
  • Funding: loans stand at 50.24% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.27%+149 bps YoY

Net Interest Margin (YTD, annualized)

6.06%+58 bps YoY

Efficiency Ratio (YTD, annualized)

104.33%+821 bps YoY

Net Worth / Assets

17.45%+149 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-1.75%-2.32%0.62%0.28%-0.27%+149 bps
Return on Equity-10.97%-15.08%3.97%1.70%-1.52%+945 bps
Net Interest Margin5.49%5.34%6.30%5.90%6.06%+58 bps
Efficiency Ratio96.12%100.95%90.24%95.29%104.33%+821 bps
Growth
Asset Growth (YoY)-13.85%-15.46%-15.86%-13.07%-14.93%-108 bps
Loan Growth (YoY)-1.16%-14.42%-21.95%-24.56%-18.74%-1,757 bps
Share Growth (YoY)-13.44%-15.86%-16.56%-14.74%-16.44%-300 bps
Asset Quality
Delinquent Loans / Loans24.96%23.95%18.58%25.51%25.24%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.32%14.53%16.19%16.69%16.83%+250 bps
Capital
Risk-Based Capital15.96%15.41%15.66%16.50%17.45%+149 bps
Net Worth / Assets15.96%15.41%15.66%16.50%17.45%+149 bps
Liquidity & Funding
Loans / Shares51.67%45.87%42.80%45.63%50.24%-142 bps
Liquid Assets / Assets31.15%35.92%40.11%0.00%0.00%-3,115 bps