Waterville, ME · Charter 11289
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.78% | 0.84% | 1.02% | 0.26% | -48 bps | |
| Return on Equity | 5.55% | 5.74% | 6.34% | 7.44% | 1.90% | -365 bps | |
| Net Interest Margin | 3.74% | 3.80% | 3.66% | 3.89% | 3.26% | -48 bps | |
| Efficiency Ratio | 79.73% | 78.79% | 81.26% | 78.18% | 93.52% | +1,379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.64% | 0.21% | 2.41% | 1.55% | -0.36% | -99 bps | |
| Loan Growth (YoY) | 6.58% | 0.66% | 7.59% | 12.41% | 10.22% | +364 bps | |
| Share Growth (YoY) | 0.07% | -0.90% | 1.16% | 0.87% | -1.04% | -111 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.41% | 0.11% | 0.09% | 0.06% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.25% | 0.20% | 0.19% | 0.18% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.39% | 13.68% | 13.24% | 13.76% | 13.86% | +47 bps | |
| Net Worth / Assets | 13.39% | 13.68% | 13.24% | 13.76% | 13.86% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.83% | 56.74% | 57.18% | 60.63% | 63.30% | +647 bps | |
| Liquid Assets / Assets | 30.05% | 30.85% | 33.94% | 0.00% | 0.00% | -3,005 bps | |