PackageTrendsPeer
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Houghton Mifflin Employees

Wilmington, MA · Charter 11884

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Houghton Mifflin Employees

Wilmington, MA · Charter 11884

Q2 2015

$6.4MAssets
$1.8MLoans
$5.7MShares
$586KNet Worth

Executive Summary

  • Earnings: ROA of -1.10%, down 114 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY).
  • Capital: net worth / assets of 9.19%, down 27 bps from a year ago.
  • Funding: loans stand at 30.69% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-1.10%-114 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-21 bps YoY

Efficiency Ratio (YTD, annualized)

128.58%+3,232 bps YoY

Net Worth / Assets

9.19%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.10%-0.09%0.21%0.04%-0.03%-0.07%-0.69%-1.10%-114 bps
Return on Equity-1.07%-0.91%2.17%0.40%-0.28%-0.75%-7.20%-11.96%-1,236 bps
Net Interest Margin2.97%2.98%2.71%2.75%2.81%2.80%2.57%2.53%-21 bps
Efficiency Ratio97.74%98.25%91.34%96.26%98.13%99.42%115.65%128.58%+3,232 bps
Growth
Asset Growth (YoY)-6.47%-6.18%-7.27%-1.54%-3.17%-2.03%-3.09%-3.83%-229 bps
Loan Growth (YoY)-10.37%-12.33%-8.28%-10.75%-9.48%-7.55%-10.53%-8.65%+210 bps
Share Growth (YoY)-7.03%-6.73%-7.76%-1.46%-3.40%-1.90%-3.18%-3.46%-200 bps
Asset Quality
Delinquent Loans / Loans0.36%0.35%0.67%0.33%0.95%1.38%0.78%0.00%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%1.12%1.08%1.10%1.03%1.10%0.85%0.28%-83 bps
Capital
Risk-Based Capital9.41%9.55%9.54%9.45%9.68%9.68%9.54%9.19%-27 bps
Net Worth / Assets9.41%9.55%9.54%9.45%9.68%9.68%9.54%9.19%-27 bps
Liquidity & Funding
Loans / Shares34.92%35.06%33.13%32.43%32.72%33.04%30.62%30.69%-174 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps