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St. Anne

New Bedford, MA · Charter 67418

NCUA · 1 branch

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Anne

New Bedford, MA · Charter 67418

NCUA · 1 branch

Q2 2019

$16.1MAssets
$11.9MLoans
$14.6MShares
$1.4MNet 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 0.11%, up 181 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 2.34% of loans (+119 bps YoY).
  • Capital: net worth / assets of 8.60%, up 5 bps from a year ago.
  • Funding: loans stand at 81.56% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.11%+181 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+42 bps YoY

Efficiency Ratio (YTD, annualized)

93.34%-4,853 bps YoY

Net Worth / Assets

8.60%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-1.70%-0.68%-0.56%0.09%0.11%+181 bps
Return on Equity-19.89%-7.77%-6.35%0.99%1.26%+2,115 bps
Net Interest Margin3.15%3.62%3.66%3.56%3.58%+42 bps
Efficiency Ratio141.87%109.53%106.45%93.32%93.34%-4,853 bps
Growth
Asset Growth (YoY)-3.37%-1.61%-0.19%-4.20%0.62%+399 bps
Loan Growth (YoY)-0.75%0.92%3.50%0.50%15.70%+1,645 bps
Share Growth (YoY)-2.73%-1.83%0.38%-4.26%-0.01%+272 bps
Asset Quality
Delinquent Loans / Loans1.16%2.74%1.98%3.11%2.34%+119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.61%0.62%0.55%0.53%-11 bps
Capital
Risk-Based Capital8.55%8.82%8.75%8.73%8.60%+5 bps
Net Worth / Assets8.55%8.82%8.75%8.73%8.60%+5 bps
Liquidity & Funding
Loans / Shares70.48%72.48%72.34%72.36%81.56%+1,108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps