Houlton, ME · Charter 15910
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.71% | 0.45% | 0.84% | -0.21% | -7 bps | |
| Return on Equity | -0.77% | 3.79% | 2.52% | 4.74% | -1.21% | -43 bps | |
| Net Interest Margin | 4.10% | 4.07% | 3.94% | 3.71% | 3.74% | -36 bps | |
| Efficiency Ratio | 76.34% | 67.00% | 87.73% | 77.40% | 98.70% | +2,236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.02% | 2.14% | 6.35% | 6.04% | 6.19% | +517 bps | |
| Loan Growth (YoY) | -1.19% | 0.38% | 2.13% | -0.79% | -4.31% | -312 bps | |
| Share Growth (YoY) | 0.69% | 1.45% | 6.86% | 5.95% | 6.47% | +578 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.76% | 1.59% | 1.87% | 1.61% | 1.85% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.31% | 0.28% | 0.32% | 0.34% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.03% | 18.64% | 18.02% | 17.76% | 17.43% | -59 bps | |
| Net Worth / Assets | 18.03% | 18.64% | 18.02% | 17.76% | 17.43% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.09% | 76.19% | 73.05% | 67.62% | 65.68% | -741 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |