Barre, VT · Charter 63696
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.63% | 0.59% | 0.66% | 0.57% | 0.90% | +352 bps | |
| Return on Equity | -21.05% | 4.44% | 4.97% | 4.34% | 7.01% | +2,806 bps | |
| Net Interest Margin | 2.91% | 3.04% | 3.03% | 2.98% | 2.85% | -6 bps | |
| Efficiency Ratio | 85.33% | 77.27% | 76.43% | 69.29% | 73.71% | -1,162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.46% | 6.88% | 7.99% | 9.97% | 9.40% | -305 bps | |
| Loan Growth (YoY) | -8.71% | -5.93% | -3.22% | -4.13% | -3.28% | +543 bps | |
| Share Growth (YoY) | 14.00% | 6.78% | 8.17% | 10.85% | 9.32% | -468 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.87% | 0.65% | 0.84% | 0.85% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.27% | 0.25% | 0.26% | 0.26% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.48% | 13.27% | 13.26% | 13.05% | 12.78% | +30 bps | |
| Net Worth / Assets | 12.48% | 13.27% | 13.26% | 13.05% | 12.78% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.24% | 55.26% | 54.96% | 51.87% | 47.99% | -625 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |