Fall River, MA · Charter 10415
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Fall River, MA · Charter 10415
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.74% | 3.58% | 11.61% | 4.91% | 3.55% | +81 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 20.48% | 9.88% | 7.79% | -9.58% | -22.50% | -4,298 bps | |
| Loan Growth (YoY) | 0.87% | -7.71% | -4.84% | -14.27% | -16.92% | -1,779 bps | |
| Share Growth (YoY) | 20.80% | 9.25% | 8.13% | -12.31% | -26.02% | -4,682 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.56% | 0.22% | 0.11% | 0.95% | 0.53% | -103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 0.96% | 1.13% | 1.30% | 1.26% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.55% | 77.59% | 84.09% | 100.32% | 89.34% | +979 bps | |
| Liquid Assets / Assets | 30.09% | 30.88% | 24.64% | 15.66% | 23.67% | -643 bps | |