Saugus, MA · Charter 24314
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Saugus, MA · Charter 24314
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.82% | -1.38% | -0.09% | -2.10% | -4.68% | -286 bps | |
| Return on Equity | -35.13% | -26.43% | -1.77% | -54.20% | -188.90% | -15,377 bps | |
| Net Interest Margin | 3.53% | 3.67% | 3.66% | 3.86% | 2.67% | -85 bps | |
| Efficiency Ratio | 111.18% | 110.59% | 98.32% | 103.09% | 122.86% | +1,168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.41% | -3.24% | -2.27% | -7.62% | -0.73% | +268 bps | |
| Loan Growth (YoY) | -7.54% | -5.14% | -3.47% | -7.32% | -14.05% | -652 bps | |
| Share Growth (YoY) | 1.64% | -1.99% | -1.82% | -6.55% | 2.02% | +38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.49% | 7.31% | 6.12% | 3.95% | 16.48% | +1,199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 1.68% | 1.65% | 2.12% | 3.92% | +222 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.18% | 5.24% | 5.02% | 3.87% | 2.48% | -271 bps | |
| Net Worth / Assets | 5.18% | 5.24% | 5.02% | 3.87% | 2.48% | -271 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.99% | 85.27% | 80.76% | 80.27% | 73.28% | -1,371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.27% | 0.00% | 0.00% | 0 bps | |