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Reliance Mutual

Euclid, OH · Charter 96774

Q2 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: Q2 2006, the quarter ended June 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 2026-10-10

Reliance Mutual

Euclid, OH · Charter 96774

Q2 2006

$4.7MAssets
$2.8MLoans
$3.7MShares
$1.0MNet 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 -1.04%; NIM at 4.00%.
  • Asset quality: problem loans at 3.16% of loans.
  • Capital: net worth / assets of 21.90%.
  • Funding: loans stand at 76.41% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.04%

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

124.50%

Net Worth / Assets

21.90%

Year to date, annualized, through each quarter.

MetricQ2 2006YoY ΔTrend
Earnings
Return on Assets-1.04%n/an/a
Return on Equity-4.77%n/an/a
Net Interest Margin4.00%n/an/a
Efficiency Ratio124.50%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans3.16%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans1.02%n/an/a
Capital
Risk-Based Capital21.90%n/an/a
Net Worth / Assets21.90%n/an/a
Liquidity & Funding
Loans / Shares76.41%n/an/a
Liquid Assets / Assets0.00%n/an/a