Middletown, RI · Charter 24554
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.14% | 0.07% | 0.48% | -0.06% | -44 bps | |
| Return on Equity | 1.42% | 0.49% | 0.26% | 1.70% | -0.19% | -161 bps | |
| Net Interest Margin | 3.25% | 2.89% | 2.75% | 3.08% | 2.57% | -67 bps | |
| Efficiency Ratio | 79.99% | 95.23% | 97.30% | 84.26% | 102.14% | +2,215 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.59% | -6.88% | -3.52% | -3.85% | -3.68% | +1,091 bps | |
| Loan Growth (YoY) | -19.87% | -14.66% | -5.01% | 3.17% | -2.20% | +1,767 bps | |
| Share Growth (YoY) | -19.59% | -9.52% | -4.76% | -5.63% | -5.86% | +1,373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.92% | 10.67% | 9.50% | 9.94% | 8.47% | -145 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.44% | 1.46% | 1.43% | 1.44% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.45% | 28.35% | 27.95% | 28.54% | 28.50% | +105 bps | |
| Net Worth / Assets | 27.45% | 28.35% | 27.95% | 28.54% | 28.50% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.08% | 77.45% | 75.26% | 77.48% | 79.04% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |