Providence, RI · Charter 24448
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.96% | 1.08% | 0.80% | 0.17% | +10 bps | |
| Return on Equity | 0.38% | 5.05% | 5.82% | 4.28% | 0.90% | +52 bps | |
| Net Interest Margin | 5.12% | 5.10% | 4.72% | 4.74% | 4.92% | -19 bps | |
| Efficiency Ratio | 87.40% | 85.09% | 83.41% | 87.36% | 93.23% | +583 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.45% | 3.36% | 7.88% | 4.87% | 1.98% | -247 bps | |
| Loan Growth (YoY) | -8.88% | -10.19% | -1.81% | -5.26% | 2.30% | +1,118 bps | |
| Share Growth (YoY) | 5.52% | 4.06% | 9.61% | 2.52% | 2.20% | -332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.26% | 1.85% | 1.35% | 0.72% | 0.78% | -247 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 2.17% | 2.18% | 1.25% | 1.22% | -85 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.05% | 19.10% | 18.62% | 18.62% | 18.85% | -20 bps | |
| Net Worth / Assets | 19.05% | 19.10% | 18.62% | 18.62% | 18.85% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.18% | 70.47% | 67.56% | 69.17% | 74.25% | +7 bps | |
| Liquid Assets / Assets | 20.18% | 27.32% | 24.91% | 16.98% | 11.09% | -909 bps | |