Attleboro, MA · Charter 13727
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Attleboro, MA · Charter 13727
Q1 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | -1.10% | -0.86% | -0.50% | -0.93% | +21 bps | |
| Return on Equity | -10.01% | -9.93% | -7.97% | -4.39% | -8.64% | +138 bps | |
| Net Interest Margin | 2.76% | 2.78% | 2.87% | 3.16% | 3.23% | +47 bps | |
| Efficiency Ratio | 123.29% | 124.11% | 120.30% | 108.21% | 92.08% | -3,121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.58% | 8.35% | 11.20% | 5.43% | -3.56% | -1,114 bps | |
| Loan Growth (YoY) | -6.33% | 3.08% | 9.46% | 9.31% | 14.81% | +2,114 bps | |
| Share Growth (YoY) | 14.99% | 14.72% | 3.08% | -14.10% | -15.08% | -3,006 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 2.72% | 3.26% | 1.38% | 1.80% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.12% | 0.09% | 0.11% | 0.24% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.08% | 10.82% | 11.29% | 10.80% | -61 bps | |
| Net Worth / Assets | 11.41% | 11.08% | 10.82% | 11.29% | 10.80% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.77% | 90.17% | 107.37% | 120.95% | 113.25% | +2,948 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |