Boston, MA · Charter 24346
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 24346
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 1.15% | 0.91% | 0.85% | 0.55% | -346 bps | |
| Return on Equity | n/a | n/a | n/a | 5.33% | 3.61% | n/a | |
| Net Interest Margin | n/a | 5.01% | 5.06% | 4.93% | 4.53% | n/a | |
| Efficiency Ratio | n/a | 74.94% | 74.35% | 74.81% | 76.01% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.86% | 12.08% | 8.21% | 9.02% | 8.63% | -723 bps | |
| Loan Growth (YoY) | 16.94% | 16.47% | 13.58% | 7.83% | 0.18% | -1,676 bps | |
| Share Growth (YoY) | 15.93% | 11.49% | 7.18% | 8.20% | 8.19% | -775 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 1.39% | 1.17% | 1.33% | 1.80% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.61% | 0.72% | 0.75% | 0.72% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.87% | 15.36% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.87% | 15.36% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.13% | 92.43% | 90.98% | 88.40% | 81.60% | -652 bps | |
| Liquid Assets / Assets | 16.62% | 7.19% | 15.26% | 21.24% | 20.82% | +420 bps | |