Melrose, MA · Charter 67692
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Melrose, MA · Charter 67692
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -1.25% | -0.32% | -0.35% | -3.13% | -139 bps | |
| Return on Equity | -10.67% | -8.08% | -2.09% | -2.33% | -24.66% | -1,399 bps | |
| Net Interest Margin | 2.78% | 2.71% | 2.56% | 2.62% | 2.47% | -31 bps | |
| Efficiency Ratio | 128.46% | 128.28% | 114.81% | 111.27% | 209% | +8,016 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.07% | 2.17% | 3.22% | 3.32% | 2.81% | -26 bps | |
| Loan Growth (YoY) | -1.66% | -1.13% | -12.13% | -14.78% | -16.58% | -1,492 bps | |
| Share Growth (YoY) | 6.03% | 5.17% | 5.78% | 4.60% | 4.49% | -154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 2.00% | 2.41% | 2.18% | 2.34% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.04% | 1.09% | 0.98% | 0.96% | -54 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.22% | 15.52% | 15.20% | 15.18% | 12.67% | -355 bps | |
| Net Worth / Assets | 16.22% | 15.52% | 15.20% | 15.18% | 12.67% | -355 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.71% | 60.44% | 52.20% | 52.72% | 50.07% | -1,265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |