Norwood, MA · Charter 24499
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.67% | 0.80% | -0.50% | 0.10% | -584% | -58,890 bps | |
| Return on Equity | 13.39% | 2.58% | -1.48% | 0.64% | n/a | n/a | |
| Net Interest Margin | 5.45% | 4.51% | 4.89% | 5.88% | 18.28% | +1,283 bps | |
| Efficiency Ratio | 46.04% | 103.12% | 104.60% | 97.16% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -30.68% | -15.57% | -5.54% | 115.24% | -14.72% | +1,596 bps | |
| Loan Growth (YoY) | -15.78% | -20.57% | -24.96% | -25.95% | -44.67% | -2,888 bps | |
| Share Growth (YoY) | -46.04% | -21.98% | -6.80% | 181.26% | 231% | +27,699 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.86% | 10.56% | 11.62% | 21.67% | 7.03% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.73% | 4.03% | 4.37% | 0.00% | 14.88% | +1,115 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.90% | 31.07% | 33.54% | 16.42% | -101.62% | -13,652 bps | |
| Net Worth / Assets | 34.90% | 31.07% | 33.54% | 16.42% | -101.62% | -13,652 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 131.35% | 103.42% | 108.27% | 35.40% | 21.96% | -10,938 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |