Huntington, IN · Charter 82763
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Huntington, IN · Charter 82763
Q1 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | -0.13% | 0.05% | 0.05% | 0.16% | +107 bps | |
| Return on Equity | -10.42% | -1.39% | 0.49% | 0.57% | 1.77% | +1,219 bps | |
| Net Interest Margin | 3.36% | 3.36% | 3.56% | 3.47% | 3.24% | -12 bps | |
| Efficiency Ratio | 90.47% | 89.61% | 92.24% | 93.63% | 93.22% | +274 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.03% | -4.68% | -6.04% | -2.99% | -3.66% | +137 bps | |
| Loan Growth (YoY) | -6.22% | -5.00% | -3.50% | -5.08% | -3.42% | +279 bps | |
| Share Growth (YoY) | -5.32% | -8.74% | -14.11% | -3.31% | -4.39% | +93 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.32% | 0.41% | 0.39% | 0.09% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.84% | 0.76% | 0.71% | 0.51% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.65% | 9.02% | 9.40% | 9.38% | 9.31% | +66 bps | |
| Net Worth / Assets | 8.65% | 9.02% | 9.40% | 9.38% | 9.31% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.49% | 75.77% | 80.36% | 71.65% | 71.20% | +71 bps | |
| Liquid Assets / Assets | 14.18% | 13.88% | 13.27% | 14.86% | 15.93% | +174 bps | |