Lincoln, RI · Charter 24597
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.26% | 0.13% | -0.24% | -0.65% | -45 bps | |
| Return on Equity | -2.19% | -2.74% | 1.38% | -2.64% | -7.04% | -485 bps | |
| Net Interest Margin | 2.89% | 3.00% | 3.59% | 3.27% | 3.23% | +34 bps | |
| Efficiency Ratio | 106.33% | 113.47% | 97.57% | 107.12% | 119.12% | +1,279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.52% | 1.70% | -1.09% | -3.34% | -6.65% | -513 bps | |
| Loan Growth (YoY) | 1.42% | 5.80% | -5.29% | -2.81% | -6.55% | -797 bps | |
| Share Growth (YoY) | -8.28% | 2.12% | -1.04% | -3.60% | -0.08% | +820 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.34% | 2.08% | 2.29% | 2.95% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.13% | 0.11% | 0.14% | 0.10% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.21% | 9.33% | 9.47% | 9.25% | 9.27% | +6 bps | |
| Net Worth / Assets | 9.21% | 9.33% | 9.47% | 9.25% | 9.27% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.14% | 34.48% | 35.58% | 34.14% | 33.80% | -234 bps | |
| Liquid Assets / Assets | 43.29% | 42.76% | 26.17% | 46.21% | 47.28% | +398 bps | |