Pawtucket, RI · Charter 67046
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.50% | 2.71% | 2.79% | 0.58% | 0.62% | -188 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 | 4.16% | 3.96% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 86.35% | 83.55% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.15% | 12.06% | 18.23% | 13.81% | 13.12% | +698 bps | |
| Loan Growth (YoY) | 1.04% | 4.16% | 0.30% | 5.03% | 13.40% | +1,236 bps | |
| Share Growth (YoY) | 7.65% | 16.22% | 24.66% | 18.72% | 16.26% | +862 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.89% | 0.90% | 0.30% | 0.45% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.90% | 1.98% | 1.89% | 1.64% | -33 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 | 67.77% | 75.51% | 60.65% | 71.83% | 66.10% | -167 bps | |
| Liquid Assets / Assets | 39.93% | 24.42% | 28.73% | 17.61% | 25.04% | -1,488 bps | |