Walpole, MA · Charter 67985
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.49% | -3.65% | 0.30% | 0.71% | +15 bps | |
| Return on Equity | 3.59% | 3.20% | -26.93% | 2.33% | 5.19% | +160 bps | |
| Net Interest Margin | 4.39% | 4.25% | 3.21% | 3.00% | 3.01% | -139 bps | |
| Efficiency Ratio | 82.15% | 82.13% | 106.44% | 59.37% | 56.39% | -2,575 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.53% | 7.30% | 7.65% | 11.91% | 19.16% | +1,463 bps | |
| Loan Growth (YoY) | -16.77% | -12.73% | -6.75% | -5.01% | -9.64% | +713 bps | |
| Share Growth (YoY) | 4.41% | 8.09% | 9.79% | 13.83% | 22.37% | +1,797 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.30% | 2.80% | 0.85% | 0.78% | 2.40% | -490 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.97% | 0.25% | 0.27% | 0.34% | -62 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.55% | 15.25% | 13.55% | 13.01% | 13.65% | -190 bps | |
| Net Worth / Assets | 15.55% | 15.25% | 13.55% | 13.01% | 13.65% | -190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.93% | 53.87% | 52.13% | 44.35% | 39.82% | -1,411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |