Millbury, MA · Charter 66368
Q1 1995
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1995, the quarter ended March 31, 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.
Millbury, MA · Charter 66368
Q1 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 | Q1 1994 | Q2 1994 | Q3 1994 | Q4 1994 | Q1 1995 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.79% | 3.83% | 3.81% | 3.88% | 3.91% | +12 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 | n/a | n/a | 0.24% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 5.59% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -0.62% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 1.49% | 1.34% | 0.82% | 0.03% | -155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.40% | 1.37% | 1.26% | 1.20% | -16 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 | 44.27% | 43.76% | 43.88% | 46.52% | 47.04% | +277 bps | |
| Liquid Assets / Assets | 21.16% | 20.98% | 20.62% | 15.90% | 20.48% | -67 bps | |