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Lincoln Sudbury Town Employee

Sudbury, MA · Charter 14847

NCUA · 1 branch

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

Lincoln Sudbury Town Employee

Sudbury, MA · Charter 14847

NCUA · 1 branch

Q1 2024

$3.9MAssets
$1.4MLoans
$3.2MShares
$709KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.09%, down 382 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 10.59% of loans (+129 bps YoY).
  • Capital: net worth / assets of 18.00%, up 306 bps from a year ago.
  • Funding: loans stand at 44.24% of shares as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

-2.09%-382 bps YoY

Net Interest Margin (YTD, annualized)

5.16%+94 bps YoY

Efficiency Ratio (YTD, annualized)

138.10%+8,200 bps YoY

Net Worth / Assets

18.00%+306 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets1.73%1.77%1.72%1.65%-2.09%-382 bps
Return on Equity11.58%11.44%10.28%9.21%-11.62%-2,321 bps
Net Interest Margin4.22%4.25%4.59%4.77%5.16%+94 bps
Efficiency Ratio56.10%57.12%60.11%63.42%138.10%+8,200 bps
Growth
Asset Growth (YoY)-13.37%-13.82%-14.16%-16.36%-13.76%-38 bps
Loan Growth (YoY)-1.24%-4.07%-7.50%2.51%10.84%+1,208 bps
Share Growth (YoY)-15.85%-16.99%-18.01%-20.84%-17.35%-151 bps
Asset Quality
Delinquent Loans / Loans9.30%10.92%8.46%9.84%10.59%+129 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.16%1.19%1.13%1.11%-9 bps
Capital
Risk-Based Capital14.94%15.50%16.78%17.88%18.00%+306 bps
Net Worth / Assets14.94%15.50%16.78%17.88%18.00%+306 bps
Liquidity & Funding
Loans / Shares32.98%34.48%36.17%42.50%44.24%+1,125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps