PackageTrendsPeer
Letter portraitLegal landscape

Pressers Union Local 12 Ilgwu

Boston, MA · Charter 61412

NCUA · 1 branch

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pressers Union Local 12 Ilgwu

Boston, MA · Charter 61412

NCUA · 1 branch

Q4 2019

$144KAssets
$34KLoans
$128KShares
$17KNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, down 19 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.52%, down 42 bps from a year ago.
  • Funding: loans stand at 26.52% of shares as of Q4 2019.

Return on Assets (YTD, annualized)

0.32%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+8 bps YoY

Efficiency Ratio (YTD, annualized)

86.78%+815 bps YoY

Net Worth / Assets

11.52%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.86%1.67%-0.17%0.51%0.35%-0.19%-0.08%0.32%-19 bps
Return on Equity16.57%12.75%-1.55%4.30%2.73%-1.53%-0.69%2.81%-149 bps
Net Interest Margin1.86%2.46%2.05%2.35%2.50%2.69%2.46%2.43%+8 bps
Efficiency Ratio0.00%33.29%108.32%78.63%86.00%106.95%103.27%86.78%+815 bps
Growth
Asset Growth (YoY)-6.59%-18.70%-0.61%-10.99%-10.37%5.07%0.19%3.93%+1,492 bps
Loan Growth (YoY)-12.90%-11.25%-8.42%0.40%1.82%-2.35%-6.45%-30.59%-3,099 bps
Share Growth (YoY)-8.94%-22.37%-1.58%-12.79%-11.85%6.57%-0.32%4.69%+1,748 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.11%4.46%4.83%3.68%4.04%4.57%5.16%6.64%+296 bps
Capital
Risk-Based Capital11.24%13.13%11.19%11.94%12.80%12.29%11.76%11.52%-42 bps
Net Worth / Assets11.24%13.13%11.19%11.94%12.80%12.29%11.76%11.52%-42 bps
Liquidity & Funding
Loans / Shares33.98%36.52%29.98%40.00%39.25%33.47%28.14%26.52%-1,348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps