Pawtucket, RI · Charter 9065
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.20% | 0.18% | -0.25% | -0.17% | -84 bps | |
| Return on Equity | 5.53% | 1.55% | 1.52% | -2.11% | -1.37% | -691 bps | |
| Net Interest Margin | 4.74% | 4.83% | 3.53% | 3.58% | 3.53% | -121 bps | |
| Efficiency Ratio | 102.61% | 106.30% | 124.92% | 126.19% | 122.09% | +1,948 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.54% | -11.43% | -3.07% | 6.64% | -1.92% | +1,362 bps | |
| Loan Growth (YoY) | -1.38% | -5.06% | -23.62% | -31.56% | -33.79% | -3,241 bps | |
| Share Growth (YoY) | -18.23% | -13.49% | -3.86% | 7.76% | -1.53% | +1,670 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.60% | 1.78% | 0.80% | 1.33% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.51% | 1.61% | 1.71% | 1.83% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 12.94% | 12.03% | 11.91% | 12.16% | -8 bps | |
| Net Worth / Assets | 12.24% | 12.94% | 12.03% | 11.91% | 12.16% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.71% | 58.53% | 45.85% | 43.98% | 41.49% | -2,022 bps | |
| Liquid Assets / Assets | 38.13% | 40.19% | 34.18% | 52.02% | 53.75% | +1,562 bps | |