Cambridge, MA · Charter 19632
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | 0.06% | 0.29% | 0.50% | 0.38% | +68 bps | |
| Return on Equity | -4.07% | 0.81% | 3.88% | 6.38% | 4.82% | +888 bps | |
| Net Interest Margin | 4.27% | 4.15% | 3.89% | 4.05% | 4.64% | +37 bps | |
| Efficiency Ratio | 107.05% | 98.54% | 92.70% | 87.83% | 92.06% | -1,499 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.43% | -14.68% | -11.57% | 2.17% | 3.58% | +1,201 bps | |
| Loan Growth (YoY) | -24.44% | -29.34% | -18.51% | 4.38% | 35.68% | +6,012 bps | |
| Share Growth (YoY) | -9.57% | -10.72% | -0.08% | 2.20% | 3.17% | +1,274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.61% | 3.42% | 2.89% | 4.00% | 1.26% | -1,135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 1.09% | 1.45% | 1.41% | 1.47% | -107 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.44% | 7.62% | 7.44% | 7.86% | 7.84% | +40 bps | |
| Net Worth / Assets | 7.44% | 7.62% | 7.44% | 7.86% | 7.84% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.71% | 65.24% | 69.40% | 78.55% | 82.47% | +1,976 bps | |
| Liquid Assets / Assets | 40.45% | 25.91% | 27.19% | 25.93% | 22.38% | -1,808 bps | |