Woonsocket, RI · Charter 65546
Q3 2000
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.94% | 1.13% | 1.23% | 1.07% | +7 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.40% | 3.45% | 3.55% | 3.57% | 3.39% | -1 bps | |
| Efficiency Ratio | 74.54% | 77.78% | 75.68% | 72.84% | 77.46% | +293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.59% | 2.90% | 5.74% | 6.31% | 4.27% | -132 bps | |
| Loan Growth (YoY) | 3.91% | 5.14% | 7.43% | 5.90% | 3.02% | -89 bps | |
| Share Growth (YoY) | 5.65% | 2.54% | 5.58% | 5.75% | 3.66% | -199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.42% | 0.05% | 0.01% | 0.01% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 0.96% | 0.89% | 0.83% | 0.73% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.00% | 80.38% | 78.21% | 77.54% | 78.51% | -49 bps | |
| Liquid Assets / Assets | 8.96% | 5.85% | 10.17% | 9.24% | 9.32% | +36 bps | |