Methuen, MA · Charter 20853
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Methuen, MA · Charter 20853
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.04% | 0.05% | 0.04% | 0.06% | 0.06% | 0.07% | -17.98% | -1,802 bps | |
| Return on Equity | 0.57% | 0.52% | 0.66% | 0.49% | 0.81% | 0.83% | 0.88% | -616% | -61,622 bps | |
| Net Interest Margin | 3.74% | 3.85% | 3.91% | 3.52% | 3.44% | 3.38% | 3.50% | -0.58% | -410 bps | |
| Efficiency Ratio | 92.94% | 93.35% | 93.12% | 94.11% | 92.88% | 93.06% | 93.06% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | -0.68% | -0.36% | 2.55% | 1.92% | 6.62% | 3.86% | 3.29% | +74 bps | |
| Loan Growth (YoY) | -2.69% | -1.37% | -4.29% | 1.17% | -1.15% | -2.31% | -3.99% | -11.51% | -1,267 bps | |
| Share Growth (YoY) | 0.88% | -0.81% | -0.42% | 2.95% | 2.24% | 5.95% | 4.38% | 6.75% | +380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.32% | 0.52% | 1.17% | 1.47% | 0.64% | 1.13% | 0.59% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.56% | 0.63% | 0.69% | 0.78% | 0.82% | 0.78% | 0.67% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.50% | 7.81% | 7.95% | 7.60% | 7.42% | 7.39% | 7.72% | 2.92% | -468 bps | |
| Net Worth / Assets | 7.50% | 7.81% | 7.95% | 7.60% | 7.42% | 7.39% | 7.72% | 2.92% | -468 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.11% | 94.17% | 95.25% | 90.24% | 86.15% | 86.83% | 87.62% | 74.81% | -1,543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |