Boston, MA · Charter 24504
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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 24504
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.72% | -4.96% | -3.47% | -2.61% | -25.17% | -2,245 bps | |
| Return on Equity | -25.88% | -54.64% | -37.50% | -28.04% | -857% | -83,086 bps | |
| Net Interest Margin | 2.91% | 2.98% | 3.03% | 3.06% | 2.78% | -13 bps | |
| Efficiency Ratio | 103.41% | 200% | 169.97% | 150.19% | 912% | +80,862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.12% | -12.02% | -13.07% | -10.65% | -5.36% | +577 bps | |
| Loan Growth (YoY) | -19.96% | -19.53% | -17.69% | -17.26% | -7.33% | +1,263 bps | |
| Share Growth (YoY) | -10.51% | -9.64% | -10.98% | -8.73% | -1.65% | +886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.57% | 6.98% | 9.74% | 6.19% | 5.25% | -333 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 2.00% | 1.98% | 2.10% | 1.91% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.52% | 9.07% | 9.25% | 9.31% | 2.94% | -758 bps | |
| Net Worth / Assets | 10.52% | 9.07% | 9.25% | 9.31% | 2.94% | -758 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.18% | 69.26% | 70.57% | 69.83% | 66.14% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |