Lebanon, NH · Charter 60676
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.61% | 0.54% | 0.52% | -2.98% | -373 bps | |
| Return on Equity | 6.22% | 4.88% | 4.50% | 4.18% | -28.64% | -3,487 bps | |
| Net Interest Margin | 3.33% | 3.45% | 3.28% | 3.36% | 2.92% | -41 bps | |
| Efficiency Ratio | 79.78% | 84.32% | 85.29% | 86.19% | 96.67% | +1,689 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | -1.11% | 3.93% | 5.43% | 11.16% | +1,386 bps | |
| Loan Growth (YoY) | -0.11% | -4.69% | -1.87% | -0.82% | -3.91% | -379 bps | |
| Share Growth (YoY) | -4.05% | -2.16% | 3.68% | 5.54% | 12.93% | +1,698 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.49% | 1.70% | 1.63% | 0.69% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.56% | 0.57% | 0.59% | 0.57% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.05% | 12.45% | 12.00% | 12.46% | 10.40% | -166 bps | |
| Net Worth / Assets | 12.05% | 12.45% | 12.00% | 12.46% | 10.40% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.43% | 77.26% | 71.40% | 72.25% | 63.34% | -1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |