Barre, VT · Charter 63792
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | -0.84% | -0.52% | -1.08% | -0.85% | -48 bps | |
| Return on Equity | -3.13% | -7.18% | -4.44% | -8.94% | -7.21% | -408 bps | |
| Net Interest Margin | 5.33% | 5.10% | 5.68% | 6.06% | 6.10% | +77 bps | |
| Efficiency Ratio | 106.79% | 116.03% | 108.91% | 117.41% | 113.69% | +690 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.70% | -4.82% | -3.15% | -8.41% | -8.99% | -1,269 bps | |
| Loan Growth (YoY) | -6.45% | -17.38% | -19.20% | 0.18% | -8.91% | -246 bps | |
| Share Growth (YoY) | 4.30% | -5.28% | -2.52% | -8.88% | -9.33% | -1,363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.94% | 0.00% | 0.00% | 5.69% | +510 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.67% | 0.74% | 0.64% | 0.71% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 11.71% | 11.67% | 12.11% | 11.86% | +3 bps | |
| Net Worth / Assets | 11.82% | 11.71% | 11.67% | 12.11% | 11.86% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.04% | 79.56% | 73.39% | 89.14% | 80.41% | +37 bps | |
| Liquid Assets / Assets | 29.01% | 29.55% | 35.23% | 22.38% | 0.00% | -2,901 bps | |