Hathorne, MA · Charter 24601
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.79% | -0.64% | -1.00% | -15.99% | -1,605 bps | |
| Return on Equity | 0.40% | 5.13% | -4.87% | -8.85% | n/a | n/a | |
| Net Interest Margin | 3.51% | 3.25% | 1.75% | 2.37% | 2.76% | -75 bps | |
| Efficiency Ratio | 76.29% | 76.18% | 136.07% | 88.21% | 338% | +26,138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.30% | -13.94% | 6.62% | 11.94% | 10.94% | +1,823 bps | |
| Loan Growth (YoY) | -12.31% | -38.99% | -30.21% | -34.31% | -26.45% | -1,414 bps | |
| Share Growth (YoY) | -9.63% | -17.64% | 7.42% | 15.27% | 23.58% | +3,321 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.85% | 5.25% | 9.67% | 4.76% | 4.62% | +177 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.58% | 3.29% | 3.45% | 0.31% | 21.90% | +1,932 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.97% | 15.34% | 13.12% | 11.26% | 0.00% | -1,497 bps | |
| Net Worth / Assets | 14.97% | 15.34% | 13.12% | 11.26% | 0.00% | -1,497 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.65% | 41.07% | 35.17% | 28.96% | 30.74% | -2,091 bps | |
| Liquid Assets / Assets | 54.59% | 64.68% | 69.17% | 65.46% | 74.46% | +1,987 bps | |