Haverhill, MA · Charter 66341
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Haverhill, MA · Charter 66341
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.47% | 0.26% | 0.26% | 0.26% | -22 bps | |
| Return on Equity | 3.49% | 3.36% | 1.90% | 1.86% | 1.82% | -167 bps | |
| Net Interest Margin | 3.25% | 3.24% | 3.01% | 3.05% | 3.21% | -4 bps | |
| Efficiency Ratio | 89.08% | 88.15% | 93.29% | 90.33% | 89.89% | +81 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.40% | -3.82% | -0.49% | -1.23% | -1.36% | +204 bps | |
| Loan Growth (YoY) | 1.36% | 5.26% | 9.93% | 15.10% | 15.94% | +1,458 bps | |
| Share Growth (YoY) | -4.91% | -6.16% | -2.25% | -2.43% | -1.73% | +318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 2.06% | 1.68% | 2.41% | 3.84% | +311 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.18% | 0.13% | 0.13% | 0.13% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.76% | 13.90% | 13.68% | 13.92% | 14.25% | +49 bps | |
| Net Worth / Assets | 13.76% | 13.90% | 13.68% | 13.92% | 14.25% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.88% | 90.61% | 92.93% | 100.14% | 103.68% | +1,580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |