Hingham, MA · Charter 11941
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Hingham, MA · Charter 11941
NCUA · 2 branches
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.14% | 0.13% | 0.15% | 0.16% | +1 bps | |
| Return on Equity | 2.00% | 1.81% | 1.77% | 2.01% | 2.23% | +23 bps | |
| Net Interest Margin | 2.98% | 2.94% | 2.91% | 2.86% | 2.78% | -19 bps | |
| Efficiency Ratio | 93.29% | 93.71% | 93.80% | 93.38% | 93.13% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.92% | 1.80% | 4.02% | 3.83% | 8.91% | +983 bps | |
| Loan Growth (YoY) | 1.03% | 1.11% | 1.87% | 4.26% | 2.08% | +105 bps | |
| Share Growth (YoY) | -0.48% | 2.07% | 4.16% | 3.89% | 8.92% | +940 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 2.07% | 1.86% | 0.98% | 1.28% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.35% | 0.36% | 0.38% | 0.41% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.70% | 7.59% | 7.53% | 7.38% | 7.22% | -48 bps | |
| Net Worth / Assets | 7.70% | 7.59% | 7.53% | 7.38% | 7.22% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.82% | 79.53% | 79.63% | 78.95% | 74.81% | -501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |