Salem, MA · Charter 67781
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.23% | -0.23% | -0.21% | 0.13% | -8.15% | -793 bps | |
| Return on Equity | -1.51% | -1.56% | -1.37% | 0.89% | -60.36% | -5,885 bps | |
| Net Interest Margin | 2.08% | 2.10% | 2.13% | 2.06% | -3.31% | -539 bps | |
| Efficiency Ratio | 108.23% | 107.85% | 106.47% | 99.55% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.15% | 0.73% | -1.51% | -2.54% | -15.06% | -1,622 bps | |
| Loan Growth (YoY) | -0.96% | -0.80% | -2.62% | -3.04% | 1.41% | +237 bps | |
| Share Growth (YoY) | 5.09% | 3.60% | -2.37% | -4.65% | -3.18% | -828 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.86% | 0.90% | 0.85% | 0.20% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.53% | 0.55% | 0.46% | 0.44% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.03% | 15.09% | 15.20% | 15.19% | 13.51% | -152 bps | |
| Net Worth / Assets | 15.03% | 15.09% | 15.20% | 15.19% | 13.51% | -152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.80% | 84.57% | 87.08% | 86.57% | 86.73% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |