Warwick, RI · Charter 65867
Q4 1999
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 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.66% | 3.70% | 3.55% | 0.52% | 0.52% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.31% | 3.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 86.83% | 87.41% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.66% | 10.89% | 13.94% | 11.93% | 8.04% | -562 bps | |
| Loan Growth (YoY) | 11.05% | 12.05% | 10.06% | 9.80% | 11.44% | +39 bps | |
| Share Growth (YoY) | 14.71% | 11.65% | 15.15% | 12.97% | 7.18% | -753 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.04% | 0.04% | 0.03% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.38% | 0.38% | 0.36% | 0.35% | -6 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 | 68.09% | 68.01% | 65.76% | 68.42% | 70.79% | +270 bps | |
| Liquid Assets / Assets | 14.33% | 13.86% | 14.55% | 14.02% | 9.91% | -441 bps | |