Gardiner, ME · Charter 18191
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.82% | -2.77% | -2.18% | -1.75% | -0.83% | +399 bps | |
| Return on Equity | -41.40% | -23.99% | -17.62% | -14.18% | -6.85% | +3,455 bps | |
| Net Interest Margin | 4.81% | 4.89% | 5.19% | 4.99% | 4.87% | +6 bps | |
| Efficiency Ratio | 134.21% | 122.07% | 116.91% | 114.58% | 112.17% | -2,204 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.48% | -14.08% | -15.67% | -9.87% | -8.66% | +782 bps | |
| Loan Growth (YoY) | -17.59% | -16.72% | -8.13% | -1.20% | -3.49% | +1,410 bps | |
| Share Growth (YoY) | -15.80% | -13.16% | -15.10% | -11.17% | -9.11% | +669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.92% | 0.58% | 1.50% | 1.00% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.97% | 1.00% | 0.98% | 1.04% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.64% | 11.56% | 12.40% | 12.33% | 12.12% | +48 bps | |
| Net Worth / Assets | 11.64% | 11.56% | 12.40% | 12.33% | 12.12% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.51% | 67.39% | 76.44% | 81.64% | 74.86% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |