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Chicopee Municipal Employees

Chicopee, MA · Charter 66334

NCUA · 1 branch

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Chicopee Municipal Employees

Chicopee, MA · Charter 66334

NCUA · 1 branch

Q3 2016

$47.9MAssets
$8.7MLoans
$45.7MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -8.67%, down 873 bps year over year; NIM at -5.04%.
  • Asset quality: problem loans at 0.00% of loans (-216 bps YoY).
  • Capital: net worth / assets of 4.22%, down 664 bps from a year ago.
  • Funding: loans stand at 19.14% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

-8.67%-873 bps YoY

Net Interest Margin (YTD, annualized)

-5.04%-697 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

4.22%-664 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.18%0.17%0.14%0.07%0.07%0.10%-0.63%-8.67%-873 bps
Return on Equity1.65%1.55%1.30%0.61%0.62%0.96%-6.06%-205%-20,597 bps
Net Interest Margin2.05%1.93%1.90%1.93%1.91%1.88%1.82%-5.04%-697 bps
Efficiency Ratio91.56%91.83%92.85%95.99%96.00%93.53%129.38%n/an/a
Growth
Asset Growth (YoY)-1.59%-1.41%-1.72%0.10%2.42%1.94%-0.03%1.46%+135 bps
Loan Growth (YoY)2.49%-2.13%-1.36%-1.05%-3.88%3.70%-0.59%-6.01%-496 bps
Share Growth (YoY)-2.08%-1.76%-2.06%0.12%2.76%2.02%0.46%8.62%+850 bps
Asset Quality
Delinquent Loans / Loans0.86%0.87%0.81%2.16%0.43%0.61%0.31%0.00%-216 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.73%0.71%0.48%0.48%0.35%0.38%0.36%0.38%-10 bps
Capital
Risk-Based Capital10.94%10.78%10.68%10.86%10.75%10.62%10.36%4.22%-664 bps
Net Worth / Assets10.94%10.78%10.68%10.86%10.75%10.62%10.36%4.22%-664 bps
Liquidity & Funding
Loans / Shares22.72%21.08%21.32%22.12%21.26%21.42%21.10%19.14%-298 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps