E. Cambridge, MA · Charter 14132
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.82% | 4.15% | 3.52% | 3.03% | 3.40% | -42 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 0.71% | -0.05% | 4.37% | 5.13% | -3.24% | -395 bps | |
| Loan Growth (YoY) | -5.99% | -16.65% | -21.92% | -21.66% | -28.19% | -2,221 bps | |
| Share Growth (YoY) | -3.22% | -2.16% | 1.48% | 3.09% | -7.11% | -389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.65% | 3.92% | 5.22% | 9.04% | 8.55% | +590 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.02% | 3.60% | 3.89% | 4.74% | 5.37% | +236 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.83% | 55.18% | 46.74% | 41.82% | 41.61% | -1,222 bps | |
| Liquid Assets / Assets | 40.38% | 42.46% | 41.14% | 49.70% | 54.19% | +1,381 bps | |