East Greenwich, RI · Charter 24449
Q2 2002
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | 0.31% | 0.59% | 0.61% | 1.14% | +147 bps | |
| Return on Equity | n/a | 1.54% | 3.12% | 3.48% | 6.54% | n/a | |
| Net Interest Margin | 5.87% | 5.90% | 5.59% | 5.07% | 5.09% | -78 bps | |
| Efficiency Ratio | 98.66% | 89.64% | 82.63% | 77.80% | 76.66% | -2,200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.64% | 3.27% | 11.30% | 25.80% | 28.65% | +3,730 bps | |
| Loan Growth (YoY) | 0.33% | 2.81% | 17.64% | 17.18% | 16.24% | +1,590 bps | |
| Share Growth (YoY) | -8.61% | 6.08% | 15.76% | 31.50% | 34.08% | +4,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 1.28% | 1.31% | 2.01% | 0.94% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.57% | 1.69% | 1.97% | 1.98% | +59 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 20.40% | 18.77% | 17.49% | 17.46% | n/a | |
| Net Worth / Assets | n/a | 20.40% | 18.77% | 17.49% | 17.46% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.12% | 93.29% | 90.39% | 76.27% | 82.46% | -1,266 bps | |
| Liquid Assets / Assets | 17.61% | 21.42% | 20.15% | 24.93% | 1.85% | -1,576 bps | |