Butler, PA · Charter 8481
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.34% | -0.18% | -0.23% | -0.84% | -66 bps | |
| Return on Equity | -0.67% | -1.23% | -0.65% | -0.81% | -2.83% | -216 bps | |
| Net Interest Margin | 4.18% | 4.25% | 4.27% | 4.10% | 4.13% | -5 bps | |
| Efficiency Ratio | 104.26% | 107.90% | 104.15% | 105.56% | 120.26% | +1,600 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.75% | -19.79% | -17.39% | -16.76% | -13.21% | +454 bps | |
| Loan Growth (YoY) | 1.61% | -5.13% | -4.83% | -21.83% | -20.33% | -2,194 bps | |
| Share Growth (YoY) | -22.53% | -25.08% | -22.38% | -21.55% | -16.98% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.81% | 3.26% | 4.67% | 4.80% | 4.19% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.91% | 0.98% | 1.10% | 1.17% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.39% | 27.22% | 27.24% | 28.08% | 29.56% | +317 bps | |
| Net Worth / Assets | 26.39% | 27.22% | 27.24% | 28.08% | 29.56% | +317 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.07% | 78.50% | 73.45% | 68.17% | 70.12% | -294 bps | |
| Liquid Assets / Assets | 44.74% | 29.48% | 45.37% | 0.00% | 0.00% | -4,474 bps | |