Turners Falls, MA · Charter 9221
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Turners Falls, MA · Charter 9221
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.58% | 0.23% | 0.32% | 0.40% | -2 bps | |
| Return on Equity | 6.12% | 8.27% | 3.12% | 4.40% | 5.35% | -76 bps | |
| Net Interest Margin | 3.79% | 3.91% | 4.12% | 4.16% | 4.35% | +56 bps | |
| Efficiency Ratio | 89.17% | 88.79% | 93.58% | 91.57% | 90.60% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.16% | 13.21% | 1.92% | 3.69% | -0.44% | -1,160 bps | |
| Loan Growth (YoY) | 27.42% | 27.63% | 20.22% | 13.85% | 11.95% | -1,546 bps | |
| Share Growth (YoY) | 11.70% | 13.65% | 1.42% | 3.20% | -1.30% | -1,300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.61% | 0.56% | 0.55% | 0.47% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.49% | 0.35% | 0.32% | 0.32% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.87% | 7.02% | 7.24% | 7.21% | 7.46% | +59 bps | |
| Net Worth / Assets | 6.87% | 7.02% | 7.24% | 7.21% | 7.46% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.06% | 74.51% | 75.25% | 79.00% | 82.88% | +982 bps | |
| Liquid Assets / Assets | 25.48% | 23.18% | 21.77% | 18.63% | 16.01% | -947 bps | |