Lawrence, MA · Charter 67772
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Lawrence, MA · Charter 67772
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.08% | -1.24% | -1.25% | -0.50% | -1.35% | -27 bps | |
| Return on Equity | -7.48% | -8.59% | -8.73% | -3.56% | -9.76% | -228 bps | |
| Net Interest Margin | 2.18% | 2.23% | 2.26% | 2.16% | 2.19% | +1 bps | |
| Efficiency Ratio | 117.09% | 116.20% | 113.19% | 117.65% | 139.95% | +2,286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.59% | -4.06% | -4.20% | -9.59% | -4.76% | -317 bps | |
| Loan Growth (YoY) | -0.74% | -0.63% | -4.97% | -4.32% | -7.72% | -698 bps | |
| Share Growth (YoY) | -0.82% | -3.42% | -3.59% | -9.95% | -4.06% | -324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.38% | 2.32% | 2.28% | 1.78% | 2.13% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.67% | 2.09% | 1.94% | 1.79% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.50% | 14.43% | 14.33% | 14.01% | 13.85% | -65 bps | |
| Net Worth / Assets | 14.50% | 14.43% | 14.33% | 14.01% | 13.85% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.47% | 42.79% | 42.43% | 40.66% | 39.88% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |