Portland, ME · Charter 10601
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.00% | -4.83% | -6.85% | 0.66% | -8.28% | -427 bps | |
| Return on Equity | -40.70% | -57.49% | -94.61% | 6.77% | -185.15% | -14,446 bps | |
| Net Interest Margin | 6.77% | 4.84% | 5.40% | 6.87% | 7.38% | +61 bps | |
| Efficiency Ratio | 69.55% | 101.10% | 130.15% | 90.78% | 86.86% | +1,731 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.86% | -2.58% | -4.01% | -16.20% | -24.14% | -2,128 bps | |
| Loan Growth (YoY) | -15.43% | -18.31% | -2.44% | -22.77% | -30.80% | -1,537 bps | |
| Share Growth (YoY) | 2.47% | 3.03% | 4.03% | -12.40% | -19.53% | -2,199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.52% | 17.47% | 20.90% | 15.57% | 0.00% | -852 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.48% | 9.14% | 10.90% | 9.54% | 4.01% | -447 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.84% | 8.39% | 7.24% | 9.69% | 4.47% | -537 bps | |
| Net Worth / Assets | 9.84% | 8.39% | 7.24% | 9.69% | 4.47% | -537 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.81% | 70.32% | 81.98% | 76.42% | 64.33% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |