Canton, MA · Charter 12660
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Canton, MA · Charter 12660
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | -0.37% | 0.58% | 0.82% | -4.70% | -565 bps | |
| Return on Equity | n/a | n/a | 4.51% | 7.41% | -83.02% | n/a | |
| Net Interest Margin | 4.62% | 3.61% | 4.52% | 4.38% | 2.45% | -216 bps | |
| Efficiency Ratio | 87.60% | 110.37% | 87.16% | 83.09% | 134.12% | +4,652 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.93% | 14.10% | 6.83% | 23.34% | 22.48% | +955 bps | |
| Loan Growth (YoY) | -0.41% | -11.10% | 6.55% | -5.19% | -11.74% | -1,132 bps | |
| Share Growth (YoY) | 14.12% | 15.60% | 1.56% | 26.33% | 31.79% | +1,767 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.82% | 4.37% | 1.88% | 1.33% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.72% | 0.63% | 0.67% | 1.96% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.89% | 11.12% | 5.67% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.89% | 11.12% | 5.67% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.38% | 78.53% | 96.72% | 63.42% | 49.81% | -2,456 bps | |
| Liquid Assets / Assets | 24.99% | 23.55% | 18.13% | 42.23% | 52.45% | +2,746 bps | |