PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Massachusetts State Grange

Holden, MA · Charter 21953

Q4 1997

$114KAssets
$5KLoans
$105KShares
n/aNet 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 2.34%, down 4 bps year over year.
  • Asset quality: problem loans at 100.00% of loans (+9,340 bps YoY).
  • Funding: loans stand at 4.39% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

2.34%-4 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.38%2.74%2.73%2.15%2.34%-4 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-6.91%-7.78%-7.34%-5.25%n/a
Loan Growth (YoY)n/a-67.30%-75.38%-82.04%-72.65%n/a
Share Growth (YoY)n/a-7.14%-8.74%-7.22%-4.80%n/a
Asset Quality
Delinquent Loans / Loans6.60%21.86%0.00%50.91%100.00%+9,340 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.53%9.71%14.96%52.21%51.34%+4,281 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares15.29%13.76%7.80%4.82%4.39%-1,090 bps
Liquid Assets / Assets84.93%84.46%88.63%97.02%95.49%+1,056 bps