Bedford, MA · Charter 20637
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Bedford, MA · Charter 20637
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.43% | 2.46% | 0.04% | 0.15% | -5.16% | -858 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -112.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.65% | 4.02% | 5.05% | n/a | |
| Efficiency Ratio | n/a | n/a | 99.38% | 96.22% | 202% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -13.80% | -11.06% | -5.28% | 10.34% | 4.58% | +1,837 bps | |
| Loan Growth (YoY) | -21.73% | -22.49% | -7.51% | 11.76% | 21.99% | +4,372 bps | |
| Share Growth (YoY) | -15.85% | -14.12% | -7.68% | 7.31% | 8.45% | +2,430 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 0.18% | 0.76% | 0.93% | 0.59% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.77% | 1.58% | 1.39% | 0.99% | -94 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.59% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.59% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.52% | 66.37% | 80.57% | 79.50% | 86.07% | +955 bps | |
| Liquid Assets / Assets | 19.13% | 29.23% | 15.10% | 17.88% | 20.60% | +147 bps | |