Malden, MA · Charter 67773
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | -0.57% | -0.57% | -0.61% | -0.70% | -13 bps | |
| Return on Equity | -4.50% | -4.54% | -4.71% | -5.24% | -5.87% | -137 bps | |
| Net Interest Margin | 1.92% | 1.95% | 1.84% | 1.79% | 1.85% | -8 bps | |
| Efficiency Ratio | 127.20% | 126.74% | 127.97% | 130.32% | 133.68% | +648 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.81% | 6.26% | 7.21% | 10.15% | 0.35% | -446 bps | |
| Loan Growth (YoY) | -4.36% | -2.05% | 3.53% | -2.80% | -4.28% | +8 bps | |
| Share Growth (YoY) | 6.63% | 8.07% | 9.08% | 12.39% | 1.21% | -542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.47% | 0.49% | 0.17% | 0.00% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.05% | 1.07% | 1.14% | 1.02% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 12.55% | 12.03% | 11.60% | 11.95% | -71 bps | |
| Net Worth / Assets | 12.66% | 12.55% | 12.03% | 11.60% | 11.95% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.31% | 37.15% | 35.39% | 33.41% | 35.29% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |