Webster, MA · Charter 66356
Q3 1995
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1995, the quarter ended September 30, 1995, 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.
Webster, MA · Charter 66356
Q3 1995
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 1994 | Q4 1994 | Q1 1995 | Q2 1995 | Q3 1995 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.43% | 4.49% | 4.64% | 4.72% | 4.62% | +19 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) | n/a | n/a | 1.87% | 1.14% | 4.70% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 19.22% | 22.39% | 20.97% | n/a | |
| Share Growth (YoY) | n/a | n/a | 0.59% | -0.70% | 3.22% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.09% | 0.89% | 1.05% | 1.34% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.26% | 1.25% | 1.25% | 1.21% | -10 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 | 50.35% | 53.58% | 55.35% | 58.45% | 59.01% | +866 bps | |
| Liquid Assets / Assets | 13.64% | 13.03% | 11.10% | 16.75% | 13.38% | -26 bps | |