Westfield, MA · Charter 14526
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | -0.49% | 0.05% | 0.26% | 0.39% | +86 bps | |
| Return on Equity | -4.61% | -4.81% | 0.49% | 2.59% | 3.76% | +837 bps | |
| Net Interest Margin | 2.91% | 3.01% | 3.10% | 3.21% | 3.44% | +53 bps | |
| Efficiency Ratio | 111.72% | 107.41% | 96.48% | 89.67% | 87.23% | -2,449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 37.60% | 1.10% | -1.98% | -1.03% | -2.37% | -3,997 bps | |
| Loan Growth (YoY) | 32.56% | -3.90% | -8.01% | -9.01% | -14.03% | -4,659 bps | |
| Share Growth (YoY) | 43.80% | 1.37% | -1.13% | -1.29% | -3.84% | -4,764 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.46% | 1.10% | 0.99% | 0.81% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.41% | 0.41% | 0.54% | 0.58% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 10.12% | 9.98% | 9.93% | 10.50% | +41 bps | |
| Net Worth / Assets | 10.09% | 10.12% | 9.98% | 9.93% | 10.50% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.40% | 51.07% | 47.69% | 46.19% | 46.84% | -555 bps | |
| Liquid Assets / Assets | 45.20% | 47.52% | 50.46% | 0.37% | 46.63% | +143 bps | |