| |
Required
Ratio
|
Actual
Ratio 2006
|
Actual
Ratio 2005
|
| |
|
|
|
| PROTECTION |
| Total Charge-Off of Delinquent Loans >12 months |
100%
|
100.00%
|
100.00%
|
| Net Allowance for Loan Losses/ Allowances Required for Loans Delinquent less than 12 months |
35%
|
35.00%
|
35.00%
|
| |
| EFFECTIVE FINANCIAL STRUCTURE |
| Net Loans / Total Assets |
70-80%
|
75.90%
|
71.54%
|
| Savings Deposits / Total Assets |
70-80%
|
79.29%
|
79.87%
|
| Institutional Capital / Total Assets |
Min 10%
|
8.89%
|
9.00%
|
| |
| ASSET QUALITY |
| Total Loan Delinquency / Gross Loan Portfolio |
<=5%
|
0.82%
|
1.22%
|
| Non-Earning Assets / Total Assets |
<=5%
|
5.85%
|
6.04%
|
| |
| RATES OF RETURN & COSTS |
| Total Financial Investment Income / Average Financial Investments |
Market Rate 3.2%
|
5.86%
|
5.10%
|
| Total Interest Cost on Savings Deposits / Average Savings Deposits |
Market Rate 2.75%
|
2.99%
|
2.94%
|
| Total Interest Cost on External Credit / Average External Credit |
Market Rate 9-10%
|
0.00%
|
0.00%
|
| Total Operating Expenses / Average Total Assets |
10%
|
5.07%
|
4.66%
|
| |
| LIQUIDITY |
| S.T Investments + Liquid Assets - S.T Payables / Savings Deposits |
Min. 15%
|
20.19%
|
24.83%
|
| Liquidity Reserves / Savings Deposits |
10%
|
22.18%
|
26.68%
|
| Non-Earning Liquid Assets / Total Assets |
<1%
|
3.05%
|
3.41%
|
| |
| SIGNS OF GROWTH |
| Growth in Loans to Members |
|
18.40%
|
32.08%
|
| Growth in Savings Deposits |
|
10.81%
|
17.65%
|
| Growth in Institutional Capital |
|
10.70%
|
24.32%
|
| Growth in Membership |
>12%
|
11.50%
|
17.69%
|
