Springfield, MA · Charter 24425
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 | -1.60% | -1.69% | -1.77% | -1.91% | -2.44% | -84 bps | |
| Return on Equity | -9.96% | -11.20% | -12.66% | -13.74% | -16.90% | -694 bps | |
| Net Interest Margin | 1.66% | 1.39% | 1.35% | 1.40% | 1.53% | -13 bps | |
| Efficiency Ratio | 180.29% | 201% | 207% | 211% | 240% | +5,937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.84% | -6.15% | -3.14% | -2.16% | -4.98% | -214 bps | |
| Loan Growth (YoY) | -17.77% | -13.97% | -14.58% | -10.76% | -5.73% | +1,204 bps | |
| Share Growth (YoY) | -1.56% | -5.47% | -1.78% | -0.48% | -2.93% | -137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.49% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.67% | 0.69% | 0.70% | 0.00% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.03% | 15.11% | 14.00% | 13.87% | 14.43% | -160 bps | |
| Net Worth / Assets | 16.03% | 15.11% | 14.00% | 13.87% | 14.43% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.52% | 22.97% | 21.00% | 21.23% | 22.84% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |