Springfield, VT · Charter 24738
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.26% | 0.32% | 0.62% | 0.48% | 1.01% | +327 bps | |
| Return on Equity | -22.31% | 3.01% | 5.70% | 4.41% | 9.34% | +3,164 bps | |
| Net Interest Margin | 4.18% | 4.24% | 4.31% | 4.45% | 4.37% | +20 bps | |
| Efficiency Ratio | 89.26% | 85.58% | 71.83% | 74.85% | 79.62% | -963 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.13% | 5.29% | 6.50% | 5.90% | 5.95% | +82 bps | |
| Loan Growth (YoY) | 4.14% | 6.52% | 10.01% | 6.74% | 4.10% | -4 bps | |
| Share Growth (YoY) | 5.93% | 5.30% | 6.47% | 5.41% | 4.65% | -128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.20% | 1.81% | 1.67% | 1.89% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.60% | 0.53% | 0.53% | 0.50% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.14% | 10.60% | 10.91% | 10.95% | 10.83% | +68 bps | |
| Net Worth / Assets | 10.14% | 10.60% | 10.91% | 10.95% | 10.83% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.12% | 90.58% | 94.08% | 94.38% | 89.64% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |