Attleboro, MA · Charter 66361
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -1.74% | -2.56% | -2.46% | -2.39% | -240 bps | |
| Return on Equity | 0.12% | -21.31% | -35.59% | -36.80% | -37.16% | -3,728 bps | |
| Net Interest Margin | 4.11% | 4.03% | 3.88% | 3.90% | 3.97% | -15 bps | |
| Efficiency Ratio | 99.68% | 135.11% | 156.27% | 153.90% | 148.30% | +4,862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | 5.08% | 11.91% | 3.75% | 4.58% | +556 bps | |
| Loan Growth (YoY) | 17.72% | -0.84% | -3.20% | -6.19% | -15.48% | -3,320 bps | |
| Share Growth (YoY) | 1.27% | 11.70% | 14.28% | 6.03% | 5.63% | +436 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.90% | 0.91% | 1.09% | 1.46% | +85 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.14% | 0.15% | 0.15% | 0.16% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 8.17% | 7.20% | 6.69% | 6.43% | -253 bps | |
| Net Worth / Assets | 8.96% | 8.17% | 7.20% | 6.69% | 6.43% | -253 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.66% | 48.94% | 48.32% | 47.43% | 47.74% | -1,192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |