Berlin, NH · Charter 60786
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Berlin, NH · Charter 60786
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.27% | -0.10% | -0.30% | -0.40% | -3 bps | |
| Return on Equity | -1.92% | -1.48% | -0.55% | -1.61% | -2.13% | -21 bps | |
| Net Interest Margin | 2.36% | 2.22% | 2.31% | 2.37% | 2.42% | +6 bps | |
| Efficiency Ratio | 111.48% | 109.25% | 101.39% | 103.18% | 104.37% | -711 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.41% | 3.77% | 3.16% | 0.61% | -0.67% | -308 bps | |
| Loan Growth (YoY) | -4.97% | 0.07% | 1.46% | 4.02% | -0.14% | +483 bps | |
| Share Growth (YoY) | 3.49% | 5.24% | 4.29% | 1.20% | -0.28% | -377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 2.75% | 1.61% | 2.69% | 1.42% | -136 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.34% | 1.31% | 1.33% | 1.45% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.94% | 18.45% | 18.35% | 18.51% | 18.67% | -27 bps | |
| Net Worth / Assets | 18.94% | 18.45% | 18.35% | 18.51% | 18.67% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.73% | 37.22% | 38.48% | 39.35% | 38.79% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |