Leominster, MA · Charter 66790
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | -0.99% | -2.36% | -2.66% | -2.21% | -193 bps | |
| Return on Equity | -1.84% | -6.77% | -16.39% | -19.22% | -15.54% | -1,369 bps | |
| Net Interest Margin | 4.79% | 4.90% | 4.79% | 4.92% | 5.18% | +39 bps | |
| Efficiency Ratio | 99.45% | 104.09% | 116.87% | 117.54% | 116.69% | +1,724 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.72% | -11.96% | -15.09% | -12.81% | -10.76% | -203 bps | |
| Loan Growth (YoY) | -6.65% | -6.50% | -9.16% | -17.65% | -22.79% | -1,613 bps | |
| Share Growth (YoY) | -10.70% | -12.85% | -15.66% | -11.95% | -9.11% | +159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 4.55% | 4.33% | 3.52% | 3.36% | +121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 1.50% | 1.54% | 1.63% | 1.70% | +106 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.91% | 14.56% | 14.38% | 13.83% | 14.21% | -70 bps | |
| Net Worth / Assets | 14.91% | 14.56% | 14.38% | 13.83% | 14.21% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.79% | 78.56% | 75.68% | 69.95% | 68.63% | -1,216 bps | |
| Liquid Assets / Assets | 16.60% | 17.69% | 20.06% | 0.00% | 0.00% | -1,660 bps | |