Arlington, MA · Charter 23932
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.60% | -0.38% | -1.12% | -51.11% | -5,121 bps | |
| Return on Equity | 0.19% | -1.09% | -0.70% | -2.05% | n/a | n/a | |
| Net Interest Margin | 3.50% | 3.00% | 3.23% | 3.05% | 278% | +27,466 bps | |
| Efficiency Ratio | 97.11% | 119.98% | 111.82% | 136.62% | 142.83% | +4,573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.91% | -9.04% | -11.41% | -1.37% | -98.97% | -9,005 bps | |
| Loan Growth (YoY) | 8.30% | 3.18% | 5.78% | -17.82% | -100.00% | -10,830 bps | |
| Share Growth (YoY) | -18.13% | -18.07% | -22.26% | -1.68% | -100.00% | -8,187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.03% | 14.44% | 17.85% | 36.09% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.00% | 1.99% | 2.34% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 54.75% | 55.24% | 54.94% | 54.60% | 0.00% | -5,475 bps | |
| Net Worth / Assets | 54.75% | 55.24% | 54.94% | 54.60% | 0.00% | -5,475 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.86% | 79.66% | 79.17% | 67.43% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |