Dorchester, MA · Charter 66375
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Dorchester, MA · Charter 66375
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.52% | 4.04% | 2.54% | 2.37% | -0.53% | -405 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 | 5.70% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 72.77% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 144.84% | 193.19% | 177.47% | 119.01% | 71.45% | -7,340 bps | |
| Loan Growth (YoY) | 105.90% | 132.28% | 125.99% | 105.82% | 57.70% | -4,820 bps | |
| Share Growth (YoY) | 155.82% | 207% | 188.34% | 127.08% | 75.61% | -8,021 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.59% | 5.38% | 4.78% | 5.30% | 4.96% | -463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.21% | 1.85% | 1.80% | 2.69% | +161 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 | 83.75% | 75.62% | 68.84% | 75.59% | 75.21% | -854 bps | |
| Liquid Assets / Assets | 13.68% | 14.58% | 22.93% | 18.11% | 16.53% | +285 bps | |