Natick, MA · Charter 65711
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | -0.71% | -1.09% | -1.14% | -1.60% | -175 bps | |
| Return on Equity | 1.31% | -6.29% | -9.49% | -9.87% | -16.49% | -1,780 bps | |
| Net Interest Margin | 5.06% | 4.45% | 4.51% | 4.56% | 4.15% | -91 bps | |
| Efficiency Ratio | 94.13% | 105.20% | 112.16% | 112.62% | 123.67% | +2,955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.32% | -3.50% | -6.96% | -8.22% | -9.24% | -892 bps | |
| Loan Growth (YoY) | -24.64% | -24.36% | -21.32% | -21.67% | -29.93% | -528 bps | |
| Share Growth (YoY) | -0.49% | -3.95% | -7.44% | -8.42% | -8.64% | -814 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.30% | 3.74% | 3.62% | 3.36% | 1.72% | -358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 2.48% | 1.84% | 2.16% | 1.63% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.54% | 11.31% | 11.53% | 11.55% | 9.68% | -186 bps | |
| Net Worth / Assets | 11.54% | 11.31% | 11.53% | 11.55% | 9.68% | -186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.82% | 50.14% | 50.65% | 49.02% | 42.05% | -1,277 bps | |
| Liquid Assets / Assets | 13.59% | 18.03% | 14.17% | 26.48% | 31.41% | +1,782 bps | |