PackageTrendsPeer
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Instron Employees

Canton, MA · Charter 12660

Q4 2001

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: 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.

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

Instron Employees

Canton, MA · Charter 12660

Q4 2001

$1.3MAssets
$614KLoans
$1.2MShares
$74KNet Worth

Executive Summary

  • Earnings: ROA of -4.70%, down 565 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 1.33% of loans (+133 bps YoY).
  • Capital: net worth / assets of 5.67%.
  • Funding: loans stand at 49.81% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-4.70%-565 bps YoY

Net Interest Margin (YTD, annualized)

2.45%-216 bps YoY

Efficiency Ratio (YTD, annualized)

134.12%+4,652 bps YoY

Net Worth / Assets

5.67%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.90%3.88%3.96%0.94%-0.37%0.58%0.82%-4.70%-565 bps
Return on Equityn/an/an/an/an/a4.51%7.41%-83.02%n/a
Net Interest Marginn/an/an/a4.62%3.61%4.52%4.38%2.45%-216 bps
Efficiency Ration/an/an/a87.60%110.37%87.16%83.09%134.12%+4,652 bps
Growth
Asset Growth (YoY)-2.91%9.75%6.35%12.93%14.10%6.83%23.34%22.48%+955 bps
Loan Growth (YoY)10.66%-2.17%0.29%-0.41%-11.10%6.55%-5.19%-11.74%-1,132 bps
Share Growth (YoY)-6.48%8.58%5.64%14.12%15.60%1.56%26.33%31.79%+1,767 bps
Asset Quality
Delinquent Loans / Loans0.04%0.02%0.00%0.00%1.82%4.37%1.88%1.33%+133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.14%1.19%1.25%0.78%0.72%0.63%0.67%1.96%+118 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.89%11.12%5.67%n/a
Net Worth / Assetsn/an/an/an/an/a12.89%11.12%5.67%n/a
Liquidity & Funding
Loans / Shares102.12%92.19%84.51%74.38%78.53%96.72%63.42%49.81%-2,456 bps
Liquid Assets / Assets8.31%14.04%22.83%24.99%23.55%18.13%42.23%52.45%+2,746 bps