Northboro, MA · Charter 11188
Q2 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.66% | -3.42% | -2.05% | -8.63% | -3.84% | -218 bps | |
| Return on Equity | -19.60% | -49.41% | -27.48% | -159.03% | -68.64% | -4,904 bps | |
| Net Interest Margin | 4.59% | 4.69% | 4.99% | 4.79% | 4.76% | +17 bps | |
| Efficiency Ratio | 127.45% | 125.20% | 119.88% | 94.47% | 82.33% | -4,511 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.88% | -4.60% | -5.47% | -2.53% | -2.88% | +999 bps | |
| Loan Growth (YoY) | -5.30% | -2.78% | -2.77% | -1.58% | -1.73% | +358 bps | |
| Share Growth (YoY) | -13.69% | -2.57% | -4.58% | -2.37% | -0.02% | +1,367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.83% | 3.58% | 4.84% | 7.14% | 4.19% | +136 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 2.11% | 1.18% | 3.07% | 2.71% | +183 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.48% | 6.92% | 7.45% | 5.42% | 5.60% | -288 bps | |
| Net Worth / Assets | 8.48% | 6.92% | 7.45% | 5.42% | 5.60% | -288 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.77% | 61.18% | 60.35% | 59.20% | 59.73% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |