Natick, MA · Charter 13199
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Natick, MA · Charter 13199
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.00% | -0.02% | -0.26% | -2.74% | -312 bps | |
| Return on Equity | 5.29% | 0.03% | -0.28% | -3.55% | -40.86% | -4,615 bps | |
| Net Interest Margin | 3.49% | 3.48% | 3.68% | 3.79% | 4.07% | +57 bps | |
| Efficiency Ratio | 90.37% | 91.09% | 89.88% | 88.70% | 87.31% | -306 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.67% | 0.78% | -3.55% | -4.50% | -7.72% | -1,039 bps | |
| Loan Growth (YoY) | 2.85% | 6.43% | 15.23% | 15.89% | 22.39% | +1,955 bps | |
| Share Growth (YoY) | 2.71% | 0.76% | -3.80% | -4.56% | -7.02% | -974 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.03% | 1.77% | 2.35% | 2.03% | 0.37% | -266 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.45% | 0.54% | 0.83% | 1.50% | +104 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.15% | 6.98% | 7.42% | 7.38% | 6.70% | -45 bps | |
| Net Worth / Assets | 7.15% | 6.98% | 7.42% | 7.38% | 6.70% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.37% | 51.40% | 61.68% | 64.93% | 64.99% | +1,562 bps | |
| Liquid Assets / Assets | 51.31% | 49.62% | 40.13% | 37.24% | 37.08% | -1,423 bps | |