South Yarmouth, MA · Charter 10689
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.05% | 0.20% | 0.56% | -19.75% | -1,987 bps | |
| Return on Equity | 0.69% | 0.25% | 0.95% | 2.39% | -120.30% | -12,099 bps | |
| Net Interest Margin | 2.80% | 2.91% | 3.38% | 3.82% | 0.55% | -225 bps | |
| Efficiency Ratio | 95.69% | 97.50% | 93.95% | 85.30% | 1156% | +106,032 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.27% | -17.18% | -22.34% | -22.65% | -33.17% | -2,291 bps | |
| Loan Growth (YoY) | 26.20% | 17.80% | 1.04% | 1.50% | -17.85% | -4,405 bps | |
| Share Growth (YoY) | -12.14% | -17.21% | -28.60% | -27.94% | -33.45% | -2,131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.38% | 2.63% | 7.72% | 1.27% | 7.10% | +472 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.40% | 0.43% | 0.43% | 10.52% | +1,015 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.46% | 18.51% | 21.44% | 23.28% | 16.42% | -105 bps | |
| Net Worth / Assets | 17.46% | 18.51% | 21.44% | 23.28% | 16.42% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.68% | 74.31% | 85.61% | 92.62% | 84.77% | +1,609 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |