Bennington, VT · Charter 64264
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.59% | 0.68% | 0.87% | 0.99% | +48 bps | |
| Return on Equity | 3.41% | 4.17% | 4.99% | 6.07% | 6.37% | +296 bps | |
| Net Interest Margin | 3.35% | 3.18% | 3.07% | 3.33% | 3.67% | +32 bps | |
| Efficiency Ratio | 88.04% | 85.11% | 82.25% | 78.98% | 78.17% | -987 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.69% | 6.64% | -0.91% | 3.91% | 1.88% | -381 bps | |
| Loan Growth (YoY) | -8.33% | -6.86% | -3.18% | -0.71% | 3.52% | +1,184 bps | |
| Share Growth (YoY) | 4.27% | 5.13% | -1.37% | 2.45% | -0.46% | -472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.44% | 0.44% | 0.19% | 0.17% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.25% | 0.11% | 0.09% | 0.19% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.79% | 14.14% | 13.63% | 14.31% | 15.50% | +71 bps | |
| Net Worth / Assets | 14.79% | 14.14% | 13.63% | 14.31% | 15.50% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.77% | 38.13% | 35.62% | 39.19% | 41.36% | +159 bps | |
| Liquid Assets / Assets | 44.83% | 48.49% | 50.63% | 53.92% | 60.17% | +1,534 bps | |