Agawam, MA · Charter 11018
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Agawam, MA · Charter 11018
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.37% | 0.43% | 0.26% | 0.61% | +28 bps | |
| Return on Equity | 2.88% | 3.25% | 3.62% | 2.23% | 5.21% | +233 bps | |
| Net Interest Margin | 2.37% | 2.37% | 2.51% | 2.43% | 2.64% | +27 bps | |
| Efficiency Ratio | 83.91% | 82.76% | 81.78% | 88.12% | 76.31% | -760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.15% | -7.90% | -8.06% | -4.50% | -0.98% | +517 bps | |
| Loan Growth (YoY) | -3.85% | 2.95% | 7.62% | 7.22% | 5.84% | +969 bps | |
| Share Growth (YoY) | -7.11% | -9.05% | -9.43% | -5.42% | -0.87% | +624 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.06% | 0.00% | 0.02% | 0.03% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.76% | 0.70% | 0.67% | 0.70% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.20% | 11.43% | 11.92% | 11.61% | 11.64% | +44 bps | |
| Net Worth / Assets | 11.20% | 11.43% | 11.92% | 11.61% | 11.64% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.44% | 24.26% | 26.07% | 25.98% | 25.02% | +159 bps | |
| Liquid Assets / Assets | 47.61% | 0.00% | 0.00% | 0.00% | 0.00% | -4,761 bps | |