Fitchburg, MA · Charter 11488
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.94% | -3.50% | -1.54% | -0.77% | -41 bps | |
| Return on Equity | -5.96% | -16.67% | -70.21% | -29.71% | -13.88% | -792 bps | |
| Net Interest Margin | 3.62% | 3.65% | 3.78% | 3.73% | 3.81% | +19 bps | |
| Efficiency Ratio | 98.30% | 91.45% | 92.39% | 90.53% | 88.19% | -1,011 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.41% | -2.54% | -6.97% | -7.08% | -9.23% | -782 bps | |
| Loan Growth (YoY) | -4.66% | -10.35% | -11.50% | -12.48% | -13.34% | -868 bps | |
| Share Growth (YoY) | -1.99% | -3.10% | -4.47% | -6.65% | -9.12% | -713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 1.48% | 1.11% | 1.00% | 1.08% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.42% | 2.44% | 2.20% | 2.21% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.04% | 5.63% | 4.98% | 5.18% | 5.54% | -50 bps | |
| Net Worth / Assets | 6.04% | 5.63% | 4.98% | 5.18% | 5.54% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.35% | 64.45% | 61.76% | 61.77% | 62.31% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |