Boston, MA · Charter 23732
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -3.91% | -5.88% | -7.37% | -19.32% | -1,938 bps | |
| Return on Equity | 0.80% | -54.44% | -110.05% | -192.59% | n/a | n/a | |
| Net Interest Margin | 3.09% | 5.54% | 5.81% | 6.54% | 4.49% | +140 bps | |
| Efficiency Ratio | 98.60% | 73.73% | 79.70% | 89.59% | 110.13% | +1,153 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.55% | 9.79% | 8.15% | -29.25% | -33.47% | -6,002 bps | |
| Loan Growth (YoY) | 79.28% | 40.72% | 18.14% | -13.08% | -28.84% | -10,812 bps | |
| Share Growth (YoY) | 31.37% | 15.02% | 17.18% | -26.70% | -26.71% | -5,809 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.36% | 7.65% | 8.58% | 11.40% | 17.01% | +1,365 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 4.48% | 2.20% | 4.81% | 11.40% | +1,083 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 7.19% | 5.34% | 3.82% | -0.68% | -875 bps | |
| Net Worth / Assets | 8.07% | 7.19% | 5.34% | 3.82% | -0.68% | -875 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.55% | 83.75% | 86.26% | 87.44% | 82.09% | -246 bps | |
| Liquid Assets / Assets | 9.90% | 24.74% | 14.06% | 13.31% | 14.08% | +418 bps | |