Keene, NH · Charter 60115
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.09% | 0.02% | -1.19% | 0.36% | +57 bps | |
| Return on Equity | -1.30% | -0.56% | 0.13% | -8.16% | 2.45% | +375 bps | |
| Net Interest Margin | 4.18% | 4.13% | 4.34% | 3.94% | 3.93% | -25 bps | |
| Efficiency Ratio | 98.15% | 96.26% | 94.69% | 94.23% | 79.82% | -1,833 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.81% | -0.24% | -0.54% | 3.40% | 5.85% | +666 bps | |
| Loan Growth (YoY) | -1.91% | -4.93% | -4.79% | -2.70% | -0.39% | +151 bps | |
| Share Growth (YoY) | -0.95% | -0.08% | -2.43% | 4.59% | 6.62% | +757 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 2.51% | 1.33% | 0.95% | 1.27% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.49% | 0.54% | 0.52% | 0.45% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.49% | 15.53% | 16.22% | 14.52% | 14.88% | -61 bps | |
| Net Worth / Assets | 15.49% | 15.53% | 16.22% | 14.52% | 14.88% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.31% | 65.11% | 69.41% | 61.28% | 61.01% | -430 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |