Boston, MA · Charter 24251
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 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.
Boston, MA · Charter 24251
Q2 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | -1.74% | -1.73% | 0.33% | 0.25% | -179 bps | |
| Return on Equity | 30.33% | -38.79% | -41.33% | 8.15% | 6.02% | -2,431 bps | |
| Net Interest Margin | 4.92% | 4.70% | 4.23% | 4.55% | 4.56% | -36 bps | |
| Efficiency Ratio | 72.01% | 121.10% | 120.00% | 89.91% | 91.38% | +1,937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.46% | 8.61% | 4.66% | 3.31% | 0.59% | -1,187 bps | |
| Loan Growth (YoY) | 11.55% | 16.86% | 12.55% | 7.65% | 10.17% | -137 bps | |
| Share Growth (YoY) | 12.38% | 9.84% | 6.33% | 6.34% | 3.53% | -884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.51% | 0.50% | 0.31% | 0.44% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.64% | 0.68% | 0.73% | 0.64% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.74% | 4.48% | 4.18% | 4.04% | 4.15% | -259 bps | |
| Net Worth / Assets | 6.74% | 4.48% | 4.18% | 4.04% | 4.15% | -259 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.73% | 82.26% | 83.59% | 76.99% | 83.78% | +505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |