North Andover, MA · Charter 20944
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
North Andover, MA · Charter 20944
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.01% | -0.01% | -0.15% | -4.08% | -408 bps | |
| Return on Equity | 0.00% | 0.03% | -0.07% | -0.91% | -29.85% | -2,985 bps | |
| Net Interest Margin | 2.53% | 2.53% | 2.48% | 2.29% | -1.62% | -415 bps | |
| Efficiency Ratio | 100.00% | 99.80% | 96.97% | 102.95% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.77% | -3.10% | -2.32% | 2.91% | 4.02% | +224 bps | |
| Loan Growth (YoY) | 17.88% | 19.99% | 25.51% | 5.48% | -1.83% | -1,971 bps | |
| Share Growth (YoY) | 2.17% | -3.69% | -2.80% | 3.67% | 8.76% | +659 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.95% | 0.71% | 1.53% | 1.11% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.92% | 1.00% | 1.06% | 1.16% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.40% | 17.43% | 17.60% | 16.81% | 13.67% | -373 bps | |
| Net Worth / Assets | 17.40% | 17.43% | 17.60% | 16.81% | 13.67% | -373 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.19% | 48.43% | 47.63% | 45.35% | 41.70% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |