Augusta, ME · Charter 910
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | -0.01% | 0.18% | 0.20% | -1.22% | -141 bps | |
| Return on Equity | 0.98% | -0.08% | 0.95% | 1.08% | -6.78% | -776 bps | |
| Net Interest Margin | 3.69% | 3.78% | 3.66% | 3.35% | 3.59% | -11 bps | |
| Efficiency Ratio | 94.14% | 95.62% | 90.22% | 92.93% | 123.36% | +2,923 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.83% | 8.04% | 11.85% | 8.99% | 0.95% | -888 bps | |
| Loan Growth (YoY) | 4.97% | 15.36% | 15.73% | 11.58% | 16.52% | +1,155 bps | |
| Share Growth (YoY) | 11.97% | 9.95% | 15.39% | 11.07% | 2.71% | -926 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.20% | 0.23% | 0.18% | 0.22% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.18% | 0.15% | 0.35% | 0.22% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.13% | 19.37% | 19.04% | 18.22% | 17.98% | -115 bps | |
| Net Worth / Assets | 19.13% | 19.37% | 19.04% | 18.22% | 17.98% | -115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.99% | 63.80% | 60.99% | 57.39% | 64.65% | +766 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |