W. Springfield, MA · Charter 67735
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.27% | 0.39% | 0.19% | -8.25% | -855 bps | |
| Return on Equity | 1.67% | 1.49% | 2.10% | 1.06% | -49.31% | -5,098 bps | |
| Net Interest Margin | 2.63% | 2.59% | 2.67% | 2.64% | 2.51% | -12 bps | |
| Efficiency Ratio | 89.89% | 89.39% | 85.59% | 91.45% | 395% | +30,528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.99% | -0.81% | -1.99% | -1.39% | -4.32% | -233 bps | |
| Loan Growth (YoY) | 6.34% | 26.14% | 33.50% | 32.23% | 22.70% | +1,636 bps | |
| Share Growth (YoY) | -3.20% | -1.64% | -3.17% | -2.16% | -4.99% | -179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.17% | 0.07% | 0.04% | 0.04% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.51% | 0.48% | 0.50% | 0.47% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.87% | 17.84% | 18.54% | 18.42% | 16.73% | -113 bps | |
| Net Worth / Assets | 17.87% | 17.84% | 18.54% | 18.42% | 16.73% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.96% | 46.73% | 50.49% | 51.15% | 51.61% | +1,165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |