Fall River, MA · Charter 9616
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.10% | -1.52% | -5.30% | -3.80% | -3.80% | -270 bps | |
| Return on Equity | -6.83% | -9.57% | -35.02% | -25.68% | -28.18% | -2,135 bps | |
| Net Interest Margin | 4.43% | 4.50% | 4.36% | 4.30% | 3.72% | -71 bps | |
| Efficiency Ratio | 122.34% | 128.89% | 137.19% | 142.75% | 164.97% | +4,262 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.66% | -9.96% | -9.96% | -11.35% | -5.28% | +38 bps | |
| Loan Growth (YoY) | 0.42% | -3.22% | -4.69% | -7.38% | -20.12% | -2,054 bps | |
| Share Growth (YoY) | -3.93% | -9.53% | -8.95% | -10.29% | -2.36% | +157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.61% | 18.02% | 10.08% | 11.20% | 13.91% | +1,030 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.11% | 2.45% | 2.54% | 2.93% | +137 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.12% | 15.91% | 15.13% | 14.80% | 13.48% | -264 bps | |
| Net Worth / Assets | 16.12% | 15.91% | 15.13% | 14.80% | 13.48% | -264 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.04% | 79.58% | 80.42% | 78.33% | 65.48% | -1,456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |