PackageTrendsPeer
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Spalding Employees

Chicopee, MA · Charter 67766

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

Spalding Employees

Chicopee, MA · Charter 67766

Q2 2001

$2.7MAssets
$1.4MLoans
$2.1MShares
$548KNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, down 397 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY).
  • Capital: net worth / assets of 20.44%.
  • Funding: loans stand at 66.68% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.23%-397 bps YoY

Net Interest Margin (YTD, annualized)

4.51%

Efficiency Ratio (YTD, annualized)

95.28%

Net Worth / Assets

20.44%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.64%4.01%4.32%4.20%1.24%0.85%1.18%0.23%-397 bps
Return on Equityn/an/an/an/an/an/a5.60%1.11%n/a
Net Interest Marginn/an/an/an/a4.32%4.06%4.63%4.51%n/a
Efficiency Ration/an/an/an/a72.63%79.98%75.61%95.28%n/a
Growth
Asset Growth (YoY)9.27%10.37%3.86%-1.39%-0.49%-5.67%-5.64%-4.45%-306 bps
Loan Growth (YoY)43.95%53.55%35.79%21.39%8.06%-15.47%-18.59%-8.09%-2,948 bps
Share Growth (YoY)8.49%9.24%1.26%-4.80%-3.63%-9.41%-9.75%-7.43%-263 bps
Asset Quality
Delinquent Loans / Loans0.35%0.30%0.18%0.00%0.40%0.78%2.28%0.19%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.68%0.60%0.62%0.67%0.68%0.73%0.75%0.61%-6 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a21.04%20.44%n/a
Net Worth / Assetsn/an/an/an/an/an/a21.04%20.44%n/a
Liquidity & Funding
Loans / Shares57.08%64.66%73.14%67.15%64.00%60.34%65.97%66.68%-48 bps
Liquid Assets / Assets13.79%17.13%17.16%33.74%17.15%27.32%29.37%32.57%-117 bps