Revere, MA · Charter 66332
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Revere, MA · Charter 66332
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.81% | -0.86% | -2.17% | -1.73% | -178 bps | |
| Return on Equity | 0.77% | -13.19% | -13.33% | -34.83% | -42.16% | -4,293 bps | |
| Net Interest Margin | 2.91% | 3.01% | 3.31% | 3.29% | 3.40% | +48 bps | |
| Efficiency Ratio | 98.66% | 122.41% | 121.96% | 156.50% | 132.12% | +3,347 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.30% | -8.26% | -15.29% | -18.16% | -18.33% | -1,103 bps | |
| Loan Growth (YoY) | -16.22% | -16.62% | -18.13% | -12.26% | -11.81% | +441 bps | |
| Share Growth (YoY) | -6.47% | -7.99% | -15.60% | -18.23% | -16.43% | -997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.93% | 0.90% | 0.30% | 0.35% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.58% | 0.28% | 0.29% | 0.63% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.53% | 6.10% | 6.46% | 6.22% | 4.10% | -243 bps | |
| Net Worth / Assets | 6.53% | 6.10% | 6.46% | 6.22% | 4.10% | -243 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.14% | 43.16% | 45.02% | 46.20% | 45.53% | +239 bps | |
| Liquid Assets / Assets | 11.39% | 13.56% | 4.10% | 0.33% | 29.79% | +1,840 bps | |