Providence, RI · Charter 1009
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.57% | 0.32% | 1.04% | 1.33% | 0.74% | -183 bps | |
| Return on Equity | n/a | n/a | n/a | 10.80% | 6.05% | n/a | |
| Net Interest Margin | n/a | 3.86% | 3.98% | 4.32% | 3.81% | n/a | |
| Efficiency Ratio | n/a | 78.03% | 66.81% | 64.83% | 80.96% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.21% | -0.58% | -1.11% | -13.71% | -13.52% | -2,574 bps | |
| Loan Growth (YoY) | 8.91% | 3.53% | 16.24% | 20.21% | -22.96% | -3,187 bps | |
| Share Growth (YoY) | 13.08% | -1.73% | -2.34% | -16.63% | -16.17% | -2,925 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.79% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.62% | 0.84% | 0.65% | 0.84% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.35% | 12.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.35% | 12.28% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.43% | 69.58% | 70.10% | 77.02% | 57.38% | -505 bps | |
| Liquid Assets / Assets | 41.52% | 18.50% | 18.20% | 31.41% | 48.24% | +672 bps | |