Henderson, NV · Charter 95804
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Henderson, NV · Charter 95804
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 | 0.95% | 0.99% | 1.10% | 1.27% | 1.22% | +27 bps | |
| Return on Equity | 12.42% | 12.66% | 13.60% | 14.82% | 14.19% | +177 bps | |
| Net Interest Margin | 3.53% | 3.60% | 4.08% | 4.29% | 4.26% | +74 bps | |
| Efficiency Ratio | 78.88% | 78.39% | 78.36% | 75.98% | 76.78% | -210 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.83% | 11.86% | 5.34% | -0.40% | 3.52% | -530 bps | |
| Loan Growth (YoY) | 13.40% | 18.10% | 19.24% | 11.88% | -3.21% | -1,661 bps | |
| Share Growth (YoY) | 9.89% | 12.72% | 4.47% | -1.49% | 1.93% | -795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.11% | 0.03% | 0.02% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.33% | 0.34% | 0.39% | 0.30% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.65% | 7.85% | 8.07% | 8.57% | 8.58% | +94 bps | |
| Net Worth / Assets | 7.65% | 7.85% | 8.07% | 8.57% | 8.58% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.32% | 51.60% | 51.94% | 52.13% | 49.68% | -264 bps | |
| Liquid Assets / Assets | 40.16% | 47.14% | 46.21% | 0.00% | 0.00% | -4,016 bps | |