No. Andover, MA · Charter 24450
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | -0.31% | -2.73% | -1.26% | -1.10% | -138 bps | |
| Return on Equity | 2.71% | -2.85% | -33.53% | -15.41% | -13.61% | -1,631 bps | |
| Net Interest Margin | 3.72% | 3.47% | 3.67% | 2.63% | 2.72% | -100 bps | |
| Efficiency Ratio | 101.37% | 110.68% | 119.32% | 143.62% | 137.92% | +3,654 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | -0.80% | -0.33% | -10.22% | -10.27% | -1,618 bps | |
| Loan Growth (YoY) | -9.24% | -13.79% | -25.20% | -34.71% | -34.26% | -2,501 bps | |
| Share Growth (YoY) | 5.80% | -1.28% | 2.65% | -8.31% | -7.73% | -1,353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.72% | 6.44% | 6.49% | 12.44% | 9.16% | +445 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.98% | 5.78% | 4.80% | 5.31% | +465 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.47% | 10.86% | 8.15% | 8.19% | 8.07% | -240 bps | |
| Net Worth / Assets | 10.47% | 10.86% | 8.15% | 8.19% | 8.07% | -240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.72% | 55.14% | 48.39% | 43.75% | 41.12% | -1,660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |