Worcester, MA · Charter 67628
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Worcester, MA · Charter 67628
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -0.58% | -0.45% | -0.45% | -19.71% | -1,941 bps | |
| Return on Equity | -0.94% | -1.81% | -1.39% | -1.35% | -140.64% | -13,970 bps | |
| Net Interest Margin | 2.56% | 2.44% | 2.40% | 2.46% | 2.04% | -52 bps | |
| Efficiency Ratio | 98.11% | 104.40% | 100.59% | 98.86% | 1018% | +92,029 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.34% | 1.41% | 0.53% | -3.64% | -3.07% | -441 bps | |
| Loan Growth (YoY) | -22.77% | -19.89% | -24.65% | -27.45% | -30.12% | -735 bps | |
| Share Growth (YoY) | 2.11% | 2.17% | 0.90% | -5.16% | -3.40% | -551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 1.84% | 1.38% | 1.30% | 0.94% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 2.57% | 2.03% | 1.92% | 2.06% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.89% | 32.14% | 32.41% | 33.41% | 14.02% | -1,788 bps | |
| Net Worth / Assets | 31.89% | 32.14% | 32.41% | 33.41% | 14.02% | -1,788 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.08% | 39.61% | 36.51% | 34.27% | 28.99% | -1,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |