Arlington, MA · Charter 6174
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Arlington, MA · Charter 6174
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 1.99% | 1.75% | -0.06% | 1.24% | -102 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.13% | 7.69% | 3.24% | -1.94% | -17.48% | -2,661 bps | |
| Loan Growth (YoY) | 29.99% | 12.75% | -7.70% | -28.93% | -27.79% | -5,778 bps | |
| Share Growth (YoY) | 8.97% | 8.64% | 4.23% | 0.74% | -17.51% | -2,647 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.21% | 2.49% | 5.32% | 7.93% | 4.81% | +160 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.12% | 2.34% | 3.69% | 2.09% | 1.61% | -152 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.14% | 69.90% | 63.93% | 53.02% | 52.64% | -750 bps | |
| Liquid Assets / Assets | 35.46% | 37.21% | 46.73% | 35.75% | 51.39% | +1,593 bps | |