Portland, ME · Charter 675
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, ME · Charter 675
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.37% | -0.46% | -8.99% | -3.74% | -416 bps | |
| Return on Equity | 4.58% | 4.17% | -5.56% | -230% | -86.64% | -9,122 bps | |
| Net Interest Margin | 4.43% | 4.29% | 3.72% | 4.52% | 4.52% | +9 bps | |
| Efficiency Ratio | 93.37% | 93.93% | 109.04% | 183.75% | 205% | +11,182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.53% | 1.67% | -1.18% | 1.43% | 6.16% | +769 bps | |
| Loan Growth (YoY) | -0.49% | 1.18% | -2.08% | -5.79% | -10.16% | -967 bps | |
| Share Growth (YoY) | 5.50% | 4.34% | 3.58% | 2.14% | 4.07% | -144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.70% | 3.10% | 5.03% | 0.95% | 0.68% | -302 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 1.91% | 1.92% | 3.92% | 3.01% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.14% | 8.82% | 8.36% | 3.91% | 4.31% | -483 bps | |
| Net Worth / Assets | 9.14% | 8.82% | 8.36% | 3.91% | 4.31% | -483 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.84% | 78.85% | 74.37% | 72.80% | 72.38% | -1,146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |