Central Falls, RI · Charter 2369
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.46% | 0.66% | -2.19% | -1.80% | -260 bps | |
| Return on Equity | 3.01% | 1.71% | 2.28% | -11.27% | -8.78% | -1,179 bps | |
| Net Interest Margin | 7.06% | 6.87% | 6.88% | 6.17% | 6.09% | -97 bps | |
| Efficiency Ratio | 82.09% | 67.67% | 69.01% | 69.66% | 73.47% | -862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.68% | -18.95% | -10.55% | -19.14% | -16.72% | -804 bps | |
| Loan Growth (YoY) | -2.65% | -13.30% | -9.90% | -41.22% | -48.80% | -4,615 bps | |
| Share Growth (YoY) | -19.59% | -25.83% | -15.76% | -14.43% | -2.81% | +1,677 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 3.65% | 3.05% | 2.02% | 5.30% | +241 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.87% | 1.04% | 1.52% | 2.16% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.50% | 26.85% | 28.71% | 19.45% | 20.50% | -600 bps | |
| Net Worth / Assets | 26.50% | 26.85% | 28.71% | 19.45% | 20.50% | -600 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 142.07% | 120.13% | 117.39% | 79.29% | 74.85% | -6,722 bps | |
| Liquid Assets / Assets | 2.58% | 10.48% | 15.75% | 35.23% | 37.32% | +3,474 bps | |