Rutland, VT · Charter 62748
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.42% | 0.58% | 0.66% | 0.54% | +4 bps | |
| Return on Equity | 5.69% | 4.90% | 6.80% | 7.68% | 6.33% | +64 bps | |
| Net Interest Margin | 4.25% | 4.16% | 4.08% | 4.07% | 4.14% | -11 bps | |
| Efficiency Ratio | 91.34% | 92.45% | 89.63% | 87.53% | 90.63% | -70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.84% | 13.17% | 15.48% | 16.76% | 14.34% | +450 bps | |
| Loan Growth (YoY) | 23.25% | 28.00% | 23.66% | 21.81% | 21.49% | -175 bps | |
| Share Growth (YoY) | 7.36% | 10.36% | 12.46% | 13.57% | 13.16% | +580 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.86% | 1.06% | 0.97% | 1.00% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.46% | 0.41% | 0.35% | 0.32% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.74% | 8.58% | 8.50% | 8.55% | 8.53% | -21 bps | |
| Net Worth / Assets | 8.74% | 8.58% | 8.50% | 8.55% | 8.53% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.21% | 85.17% | 85.35% | 89.76% | 85.04% | +583 bps | |
| Liquid Assets / Assets | 9.57% | 3.34% | 5.14% | 4.39% | 7.40% | -217 bps | |