Winthrop, MA · Charter 15624
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Winthrop, MA · Charter 15624
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | -0.18% | 0.29% | 0.97% | 0.16% | +100 bps | |
| Return on Equity | -13.54% | -2.84% | 5.81% | 18.56% | 3.61% | +1,716 bps | |
| Net Interest Margin | 2.91% | 3.25% | 3.14% | 3.19% | 3.29% | +39 bps | |
| Efficiency Ratio | 114.56% | 97.28% | 92.95% | 80.62% | 79.85% | -3,471 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.70% | -5.22% | -7.25% | -8.77% | -9.56% | -1,327 bps | |
| Loan Growth (YoY) | -2.36% | -2.37% | -4.34% | -11.66% | -9.05% | -669 bps | |
| Share Growth (YoY) | 15.05% | 3.15% | -4.51% | -7.66% | -10.10% | -2,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 4.36% | 3.33% | 2.73% | 0.26% | -203 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.83% | 1.53% | 1.65% | 1.69% | 1.77% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.20% | 6.45% | 4.99% | 5.24% | 4.56% | -164 bps | |
| Net Worth / Assets | 6.20% | 6.45% | 4.99% | 5.24% | 4.56% | -164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.91% | 81.07% | 80.30% | 79.88% | 79.83% | +92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |