Housatonic, MA · Charter 17757
Q4 2003
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.03% | -0.80% | -1.24% | -1.03% | -1.27% | -24 bps | |
| Return on Equity | -8.34% | -7.15% | -12.11% | -8.85% | -8.10% | +24 bps | |
| Net Interest Margin | 2.88% | 2.46% | 2.48% | 2.91% | 4.05% | +117 bps | |
| Efficiency Ratio | 117.81% | 131.72% | 121.81% | 117.00% | 117.72% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.13% | 10.77% | 5.18% | -19.85% | -27.14% | -2,201 bps | |
| Loan Growth (YoY) | -13.30% | -12.49% | 13.06% | 24.39% | -2.35% | +1,095 bps | |
| Share Growth (YoY) | -5.08% | 14.06% | 7.09% | -21.17% | -29.95% | -2,487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.28% | 5.64% | 2.14% | 2.06% | 2.41% | -287 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.41% | 2.58% | 1.08% | 1.04% | 1.22% | -120 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.34% | 11.17% | 10.20% | 11.58% | 15.67% | +333 bps | |
| Net Worth / Assets | 12.34% | 11.17% | 10.20% | 11.58% | 15.67% | +333 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.90% | 25.46% | 28.09% | 33.76% | 41.68% | +1,178 bps | |
| Liquid Assets / Assets | 73.11% | 76.88% | 73.09% | 69.52% | 64.22% | -889 bps | |