Berlin, NH · Charter 60306
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | -0.55% | -0.72% | -0.71% | -0.70% | -33 bps | |
| Return on Equity | -1.75% | -2.72% | -3.64% | -3.59% | -4.37% | -261 bps | |
| Net Interest Margin | 3.80% | 3.64% | 3.58% | 3.55% | 3.51% | -29 bps | |
| Efficiency Ratio | 101.52% | 104.99% | 108.42% | 107.47% | 109.23% | +770 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.34% | 23.75% | 23.50% | 3.35% | 3.75% | -1,660 bps | |
| Loan Growth (YoY) | 19.83% | 20.82% | 18.36% | -2.60% | -3.07% | -2,290 bps | |
| Share Growth (YoY) | 25.81% | 30.15% | 30.61% | 5.32% | 5.63% | -2,019 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.44% | 0.62% | 0.56% | 0.39% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.84% | 0.88% | 0.91% | 0.82% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.28% | 20.14% | 19.90% | 19.89% | 16.12% | -516 bps | |
| Net Worth / Assets | 21.28% | 20.14% | 19.90% | 19.89% | 16.12% | -516 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.60% | 69.54% | 68.18% | 69.36% | 69.38% | -622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |