Bennington, VT · Charter 64605
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.67% | -0.49% | -0.79% | -0.63% | +16 bps | |
| Return on Equity | -7.64% | -6.57% | -4.39% | -7.96% | -6.57% | +107 bps | |
| Net Interest Margin | 2.58% | 2.54% | 2.69% | 2.20% | 2.22% | -36 bps | |
| Efficiency Ratio | 106.67% | 108.76% | 109.09% | 119.41% | 126.51% | +1,984 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | -4.08% | -1.45% | -4.74% | -1.85% | -563 bps | |
| Loan Growth (YoY) | -14.54% | -10.53% | -10.96% | -6.43% | -8.65% | +589 bps | |
| Share Growth (YoY) | 4.72% | -4.06% | -1.00% | -4.59% | -0.78% | -550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.18% | 1.39% | 0.80% | 1.78% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.91% | 0.88% | 0.81% | 0.34% | -57 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.30% | 10.22% | 11.16% | 9.97% | 9.54% | -76 bps | |
| Net Worth / Assets | 10.30% | 10.22% | 11.16% | 9.97% | 9.54% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.93% | 34.42% | 38.11% | 32.08% | 31.23% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |