Fall River, MA · Charter 3913
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Fall River, MA · Charter 3913
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.67% | -0.97% | -1.03% | -0.45% | -0.62% | +6 bps | |
| Return on Equity | -7.35% | -10.84% | -11.57% | -5.27% | -7.10% | +25 bps | |
| Net Interest Margin | 2.30% | 2.40% | 2.43% | 2.45% | 2.55% | +25 bps | |
| Efficiency Ratio | 122.20% | 134.11% | 140.30% | 119.35% | 119.06% | -314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.15% | -2.51% | -5.95% | -5.55% | -5.33% | -418 bps | |
| Loan Growth (YoY) | -9.51% | -6.75% | -1.22% | 2.12% | 2.46% | +1,197 bps | |
| Share Growth (YoY) | -0.20% | -1.73% | -5.48% | -5.16% | -4.96% | -476 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.48% | 0.87% | 4.51% | 4.10% | +349 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.09% | 0.94% | 0.81% | 0.87% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.16% | 8.91% | 8.92% | 8.57% | 8.68% | -48 bps | |
| Net Worth / Assets | 9.16% | 8.91% | 8.92% | 8.57% | 8.68% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.47% | 36.60% | 38.99% | 37.29% | 38.24% | +277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |