PackageTrendsPeer
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Millbury

Millbury, MA · Charter 66368

Q1 1995

$75.1MAssets
$32.4MLoans
$68.8MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.91%, up 12 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (-155 bps YoY).
  • Funding: loans stand at 47.04% of shares as of Q1 1995.

Financial Results

Return on Assets (YTD, annualized)

3.91%+12 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995YoY ΔTrend
Earnings
Return on Assets3.79%3.83%3.81%3.88%3.91%+12 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a0.24%n/an/a
Loan Growth (YoY)n/an/an/an/a5.59%n/an/a
Share Growth (YoY)n/an/an/an/a-0.62%n/an/a
Asset Quality
Delinquent Loans / Loans1.58%1.49%1.34%0.82%0.03%-155 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%1.40%1.37%1.26%1.20%-16 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares44.27%43.76%43.88%46.52%47.04%+277 bps
Liquid Assets / Assets21.16%20.98%20.62%15.90%20.48%-67 bps