Randolph, MA · Charter 67878
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | 0.19% | 1.72% | 1.70% | 1.64% | +185 bps | |
| Return on Equity | -2.62% | 2.31% | 19.87% | 18.13% | 16.31% | +1,893 bps | |
| Net Interest Margin | 2.99% | 2.72% | 2.47% | 2.50% | 2.51% | -47 bps | |
| Efficiency Ratio | 23.89% | 28.37% | 31.70% | 33.39% | 35.85% | +1,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.39% | -8.65% | -15.81% | -8.30% | -2.14% | +1,024 bps | |
| Loan Growth (YoY) | -19.24% | -25.19% | -22.71% | -25.32% | -21.21% | -197 bps | |
| Share Growth (YoY) | -13.44% | -9.62% | -17.26% | -9.20% | -4.14% | +931 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 3.45% | 1.11% | 1.48% | 1.94% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.37% | 5.49% | 5.43% | 6.63% | 6.80% | +143 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.26% | 8.13% | 8.65% | 9.36% | 10.04% | +178 bps | |
| Net Worth / Assets | 8.26% | 8.13% | 8.65% | 9.36% | 10.04% | +178 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.48% | 45.13% | 42.42% | 38.71% | 39.85% | -864 bps | |
| Liquid Assets / Assets | 20.02% | 27.54% | 44.69% | 65.69% | 65.12% | +4,510 bps | |