Boston, MA · Charter 67702
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.26% | 0.05% | 0.08% | -0.38% | -142 bps | |
| Return on Equity | 3.95% | 1.06% | 0.19% | 0.34% | -1.55% | -550 bps | |
| Net Interest Margin | 5.53% | 4.65% | 4.28% | 4.16% | 4.00% | -153 bps | |
| Efficiency Ratio | 75.27% | 85.40% | 88.98% | 88.97% | 94.90% | +1,963 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.51% | 2.52% | 3.30% | 2.45% | 4.86% | +335 bps | |
| Loan Growth (YoY) | -23.89% | -25.05% | -24.28% | -23.96% | -22.41% | +148 bps | |
| Share Growth (YoY) | 2.05% | 2.33% | 4.14% | 3.29% | 6.99% | +494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.37% | 1.06% | 1.04% | 0.67% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.27% | 1.45% | 1.54% | 2.51% | +136 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.19% | 24.02% | 24.31% | 23.76% | 24.59% | -159 bps | |
| Net Worth / Assets | 26.19% | 24.02% | 24.31% | 23.76% | 24.59% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.50% | 44.66% | 43.40% | 38.47% | 39.52% | -1,498 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |