Dorchester, MA · Charter 7915
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.29% | -7.69% | 1.93% | 1.05% | 0.47% | +376 bps | |
| Return on Equity | -24.95% | -81.49% | 20.12% | 10.80% | 4.80% | +2,975 bps | |
| Net Interest Margin | 7.99% | 8.33% | 8.57% | 7.38% | 7.22% | -77 bps | |
| Efficiency Ratio | 81.15% | 84.59% | 77.72% | 85.98% | 93.57% | +1,242 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.63% | -13.94% | -14.88% | -13.30% | -9.10% | +553 bps | |
| Loan Growth (YoY) | -17.13% | -26.51% | -28.07% | -26.09% | -20.73% | -360 bps | |
| Share Growth (YoY) | -15.32% | -9.17% | -10.03% | -8.01% | -4.54% | +1,078 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.02% | 13.45% | 17.02% | 22.70% | 20.63% | +361 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.14% | 3.82% | 4.93% | 5.37% | 5.73% | +259 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.18% | 9.44% | 9.59% | 9.73% | 9.84% | -334 bps | |
| Net Worth / Assets | 13.18% | 9.44% | 9.59% | 9.73% | 9.84% | -334 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.43% | 94.39% | 84.83% | 78.52% | 78.42% | -1,602 bps | |
| Liquid Assets / Assets | 28.42% | 26.33% | 33.54% | 37.77% | 39.11% | +1,069 bps | |