Hampton, NH · Charter 68211
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | 0.11% | -0.24% | -0.95% | -1.02% | -57 bps | |
| Return on Equity | -4.45% | 1.14% | -2.61% | -10.97% | -11.95% | -751 bps | |
| Net Interest Margin | 3.70% | 3.59% | 3.53% | 3.18% | 3.23% | -47 bps | |
| Efficiency Ratio | 89.89% | 97.53% | 95.81% | 109.89% | 111.17% | +2,128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.96% | 6.50% | 7.03% | 9.61% | 10.53% | +458 bps | |
| Loan Growth (YoY) | 1.37% | 0.62% | -1.70% | -6.33% | -5.66% | -702 bps | |
| Share Growth (YoY) | 7.22% | 7.17% | 8.36% | 11.41% | 12.43% | +521 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.11% | 0.21% | 0.13% | 0.02% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.29% | 0.38% | 0.27% | 0.50% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 9.84% | 9.31% | 8.67% | 8.50% | -160 bps | |
| Net Worth / Assets | 10.09% | 9.84% | 9.31% | 8.67% | 8.50% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.34% | 76.32% | 72.70% | 65.93% | 65.74% | -1,260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |