Beverly, MA · Charter 18457
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.53% | -1.16% | -0.55% | -1.58% | -1.46% | -93 bps | |
| Return on Equity | -6.47% | -13.70% | -6.62% | -22.24% | -21.95% | -1,549 bps | |
| Net Interest Margin | 2.45% | 2.24% | 2.80% | 2.85% | 2.62% | +18 bps | |
| Efficiency Ratio | 119.94% | 148.57% | 117.96% | 117.83% | 125.28% | +533 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | -4.29% | 2.48% | 1.16% | -2.22% | -57 bps | |
| Loan Growth (YoY) | -3.50% | -1.21% | -8.82% | -13.21% | -15.49% | -1,199 bps | |
| Share Growth (YoY) | -1.94% | -4.53% | 2.94% | 2.89% | -0.51% | +143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 2.42% | 0.00% | 2.57% | 2.79% | +87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 0.92% | 1.29% | 1.41% | 0.77% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.26% | 8.45% | 8.31% | 7.11% | 6.66% | -160 bps | |
| Net Worth / Assets | 8.26% | 8.45% | 8.31% | 7.11% | 6.66% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.45% | 60.28% | 56.62% | 52.96% | 48.80% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |