Boston, MA · Charter 68007
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.28% | -0.40% | -0.41% | -1.52% | -135 bps | |
| Return on Equity | -1.42% | -2.33% | -3.43% | -3.83% | -14.92% | -1,350 bps | |
| Net Interest Margin | 3.95% | 3.66% | 3.42% | 3.19% | 3.39% | -56 bps | |
| Efficiency Ratio | 102.30% | 102.28% | 105.33% | 105.71% | 130.03% | +2,773 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.33% | -1.99% | 0.39% | 8.44% | 4.34% | +767 bps | |
| Loan Growth (YoY) | 15.35% | 11.11% | 8.35% | 7.35% | 4.25% | -1,110 bps | |
| Share Growth (YoY) | -3.60% | -2.45% | 0.13% | 9.93% | 5.49% | +908 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.59% | 1.68% | 1.25% | 1.44% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.13% | 0.24% | 0.21% | 0.20% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 12.03% | 11.62% | 10.72% | 10.21% | -203 bps | |
| Net Worth / Assets | 12.24% | 12.03% | 11.62% | 10.72% | 10.21% | -203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.17% | 80.19% | 77.97% | 75.86% | 81.21% | -96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |