PackageTrendsPeer
Letter portraitLegal landscape

Standard Knapp Employees

Portland, CT · Charter 7710

Q4 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: Q4 2006, the quarter ended December 31, 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

Standard Knapp Employees

Portland, CT · Charter 7710

Q4 2006

$2.3MAssets
$1.2MLoans
$2.1MShares
$181KNet 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 -7.32%, down 693 bps year over year; NIM at 5.82%.
  • Asset quality: problem loans at 5.64% of loans (-281 bps YoY).
  • Capital: net worth / assets of 7.78%, down 303 bps from a year ago.
  • Funding: loans stand at 57.85% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

-7.32%-693 bps YoY

Net Interest Margin (YTD, annualized)

5.82%+151 bps YoY

Efficiency Ratio (YTD, annualized)

154.35%+4,735 bps YoY

Net Worth / Assets

7.78%-303 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets-0.39%-1.49%-8.93%-6.93%-7.32%-693 bps
Return on Equity-3.63%-14.14%-125.40%-99.80%-94.15%-9,053 bps
Net Interest Margin4.30%4.73%5.11%5.47%5.82%+151 bps
Efficiency Ratio107.01%124.83%169.99%155.90%154.35%+4,735 bps
Growth
Asset Growth (YoY)-11.37%-10.27%-9.11%-14.02%-15.23%-386 bps
Loan Growth (YoY)-8.15%0.34%9.56%-5.10%-8.42%-27 bps
Share Growth (YoY)-10.08%-9.29%-5.09%-10.00%-12.67%-258 bps
Asset Quality
Delinquent Loans / Loans8.46%8.08%7.88%2.50%5.64%-281 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%1.39%5.43%1.83%5.00%+371 bps
Capital
Risk-Based Capital10.81%10.54%7.12%6.95%7.78%-303 bps
Net Worth / Assets10.81%10.54%7.12%6.95%7.78%-303 bps
Liquidity & Funding
Loans / Shares55.16%52.45%56.47%57.06%57.85%+268 bps
Liquid Assets / Assets46.37%46.50%0.00%0.00%0.00%-4,637 bps