Boston, MA · Charter 5277
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 5277
Q1 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.31% | -1.56% | -2.04% | -1.73% | -16.16% | -985 bps | |
| Return on Equity | -60.45% | -17.38% | -26.21% | -20.45% | -348% | -28,722 bps | |
| Net Interest Margin | 5.68% | 5.12% | 4.89% | 5.10% | 4.49% | -119 bps | |
| Efficiency Ratio | 134.79% | 121.61% | 114.72% | 112.10% | 104.17% | -3,061 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.63% | 32.50% | 46.69% | 5.78% | -0.24% | -3,287 bps | |
| Loan Growth (YoY) | 50.00% | 47.84% | -14.17% | -20.29% | -23.70% | -7,370 bps | |
| Share Growth (YoY) | 53.97% | 53.69% | 71.22% | 16.24% | 5.66% | -4,831 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.91% | 9.73% | 8.90% | 14.49% | 17.63% | +1,172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.94% | 3.62% | 3.84% | 13.06% | +1,127 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.44% | 8.99% | 7.77% | 8.47% | 4.65% | -579 bps | |
| Net Worth / Assets | 10.44% | 8.99% | 7.77% | 8.47% | 4.65% | -579 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.74% | 58.01% | 51.79% | 54.49% | 49.64% | -1,910 bps | |
| Liquid Assets / Assets | 34.10% | 40.91% | 46.60% | 42.65% | 52.56% | +1,846 bps | |