Pittsfield, MA · Charter 17414
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.95% | -0.98% | -0.93% | -2.22% | -3.36% | -241 bps | |
| Return on Equity | -17.36% | -18.23% | -18.22% | -45.48% | -86.34% | -6,898 bps | |
| Net Interest Margin | 1.91% | 1.98% | 1.96% | 2.07% | 2.12% | +20 bps | |
| Efficiency Ratio | 144.06% | 142.06% | 139.70% | 137.19% | 207% | +6,327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.32% | -3.55% | 5.15% | -3.55% | -9.26% | -494 bps | |
| Loan Growth (YoY) | -1.78% | 6.26% | 11.88% | 22.20% | 10.88% | +1,265 bps | |
| Share Growth (YoY) | -2.82% | -2.32% | 6.46% | -2.39% | -7.76% | -494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.55% | 2.20% | 1.69% | 1.66% | 1.41% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.65% | 0.66% | 1.54% | 1.05% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.50% | 5.38% | 5.12% | 4.87% | 3.89% | -161 bps | |
| Net Worth / Assets | 5.50% | 5.38% | 5.12% | 4.87% | 3.89% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.25% | 26.50% | 26.93% | 28.98% | 29.15% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |