Augusta, ME · Charter 68136
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | -1.04% | -0.48% | -1.35% | -0.98% | -184 bps | |
| Return on Equity | 11.48% | -16.09% | -7.03% | -21.32% | -15.36% | -2,684 bps | |
| Net Interest Margin | 4.98% | 4.67% | 4.81% | 5.03% | 4.75% | -23 bps | |
| Efficiency Ratio | 77.37% | 81.24% | 81.26% | 84.51% | 84.11% | +674 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.23% | -6.27% | -4.86% | -7.06% | -9.22% | -699 bps | |
| Loan Growth (YoY) | -3.49% | -11.61% | -12.87% | -13.83% | -18.71% | -1,521 bps | |
| Share Growth (YoY) | -3.15% | -6.55% | -4.96% | -6.21% | -8.04% | -489 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.62% | 5.30% | 4.83% | 3.30% | 2.90% | -272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 1.19% | 1.03% | 1.31% | 1.44% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.49% | 6.46% | 6.87% | 6.34% | 6.36% | -113 bps | |
| Net Worth / Assets | 7.49% | 6.46% | 6.87% | 6.34% | 6.36% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.97% | 72.94% | 76.25% | 76.17% | 73.34% | -963 bps | |
| Liquid Assets / Assets | 17.06% | 25.45% | 21.38% | 23.28% | 14.69% | -237 bps | |