Pawtucket, RI · Charter 23716
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.38% | 2.38% | 3.16% | 3.26% | -1.64% | -402 bps | |
| Return on Equity | 13.72% | 14.07% | 18.86% | 16.96% | -8.75% | -2,247 bps | |
| Net Interest Margin | 5.36% | 4.95% | 5.11% | 5.47% | 5.91% | +55 bps | |
| Efficiency Ratio | 56.11% | 52.31% | 38.19% | 40.85% | 40.01% | -1,610 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.90% | 9.09% | 11.12% | -0.23% | -9.20% | -1,810 bps | |
| Loan Growth (YoY) | -8.03% | 5.15% | 1.98% | 6.95% | -13.11% | -508 bps | |
| Share Growth (YoY) | 11.44% | 7.76% | 10.04% | -3.57% | -10.66% | -2,210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.21% | 8.72% | 5.10% | 11.17% | 14.31% | +410 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.55% | 9.08% | 3.72% | 3.89% | 8.42% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.34% | 16.91% | 16.75% | 19.24% | 18.71% | +137 bps | |
| Net Worth / Assets | 17.34% | 16.91% | 16.75% | 19.24% | 18.71% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.17% | 46.09% | 38.43% | 49.30% | 44.90% | -127 bps | |
| Liquid Assets / Assets | 53.44% | 53.95% | 37.46% | 40.57% | 29.66% | -2,378 bps | |