Biddeford, ME · Charter 15623
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Biddeford, ME · Charter 15623
Q2 2000
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 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.08% | 0.85% | 0.82% | 0.71% | 0.86% | -322 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 3.47% | 3.54% | 3.62% | 3.66% | n/a | |
| Efficiency Ratio | n/a | 77.09% | 77.32% | 82.61% | 79.34% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.04% | 10.90% | 4.26% | 4.29% | 2.52% | -553 bps | |
| Loan Growth (YoY) | 6.43% | 6.80% | 5.07% | 4.22% | 5.97% | -46 bps | |
| Share Growth (YoY) | 7.92% | 11.09% | 3.69% | 3.91% | 1.75% | -618 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.79% | 0.74% | 1.01% | 0.63% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.42% | 0.41% | 0.42% | 0.41% | +1 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 | 81.66% | 81.53% | 84.91% | 83.05% | 85.05% | +339 bps | |
| Liquid Assets / Assets | 13.75% | 14.24% | 4.44% | 5.12% | 5.67% | -808 bps | |