PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Portland Municipal

South Portland, ME · Charter 68384

Q2 2007

$67.4MAssets
$49.0MLoans
$59.2MShares
$7.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, up 71 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 1.39% of loans (+108 bps YoY).
  • Capital: net worth / assets of 10.51%, up 82 bps from a year ago.
  • Funding: loans stand at 82.77% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.95%+71 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+2 bps YoY

Efficiency Ratio (YTD, annualized)

77.00%-1,068 bps YoY

Net Worth / Assets

10.51%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.24%0.36%0.52%0.58%0.95%+71 bps
Return on Equity2.50%3.63%5.05%5.70%9.02%+652 bps
Net Interest Margin3.63%3.74%3.82%3.69%3.65%+2 bps
Efficiency Ratio87.67%85.36%83.67%83.57%77.00%-1,068 bps
Growth
Asset Growth (YoY)-4.44%-3.25%-3.24%-0.86%0.43%+487 bps
Loan Growth (YoY)-5.03%-4.30%-5.32%-6.50%-11.67%-664 bps
Share Growth (YoY)0.18%-2.59%-2.67%-0.01%2.01%+183 bps
Asset Quality
Delinquent Loans / Loans0.31%0.27%0.23%0.10%1.39%+108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.16%0.20%0.20%0.25%+1 bps
Capital
Risk-Based Capital9.69%9.88%10.25%10.23%10.51%+82 bps
Net Worth / Assets9.69%9.88%10.25%10.23%10.51%+82 bps
Liquidity & Funding
Loans / Shares95.59%96.28%95.11%90.46%82.77%-1,282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps