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St. Ignatius - Oregon

Oregon, OH · Charter 96785

Q2 2006

$737KAssets
$391KLoans
$651KShares
$82KNet 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 0.25%; NIM at 3.19%.
  • Asset quality: problem loans at 1.80% of loans.
  • Capital: net worth / assets of 11.11%.
  • Funding: loans stand at 60.12% of shares as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.25%

Net Interest Margin (quarter, annualized)

3.19%

Efficiency Ratio (quarter, annualized)

92.12%

Net Worth / Assets

11.11%

Discrete quarter, annualized.

MetricQ2 2006YoY ΔTrend
Earnings
Return on Assets0.25%n/an/a
Return on Equity2.26%n/an/a
Net Interest Margin3.19%n/an/a
Efficiency Ratio92.12%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 / Loans1.80%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans5.15%n/an/a
Capital
Risk-Based Capital11.11%n/an/a
Net Worth / Assets11.11%n/an/a
Liquidity & Funding
Loans / Shares60.12%n/an/a
Liquid Assets / Assets0.00%n/an/a