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Malden City Employees

Malden, MA · Charter 67773

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Malden City Employees

Malden, MA · Charter 67773

Q3 2015

$13.8MAssets
$4.3MLoans
$12.2MShares
$1.6MNet 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 -0.70%, down 13 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 0.00% of loans (-57 bps YoY).
  • Capital: net worth / assets of 11.95%, down 71 bps from a year ago.
  • Funding: loans stand at 35.29% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.70%-13 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-8 bps YoY

Efficiency Ratio (YTD, annualized)

133.68%+648 bps YoY

Net Worth / Assets

11.95%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.57%-0.57%-0.57%-0.61%-0.70%-13 bps
Return on Equity-4.50%-4.54%-4.71%-5.24%-5.87%-137 bps
Net Interest Margin1.92%1.95%1.84%1.79%1.85%-8 bps
Efficiency Ratio127.20%126.74%127.97%130.32%133.68%+648 bps
Growth
Asset Growth (YoY)4.81%6.26%7.21%10.15%0.35%-446 bps
Loan Growth (YoY)-4.36%-2.05%3.53%-2.80%-4.28%+8 bps
Share Growth (YoY)6.63%8.07%9.08%12.39%1.21%-542 bps
Asset Quality
Delinquent Loans / Loans0.57%0.47%0.49%0.17%0.00%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.05%1.07%1.14%1.02%0 bps
Capital
Risk-Based Capital12.66%12.55%12.03%11.60%11.95%-71 bps
Net Worth / Assets12.66%12.55%12.03%11.60%11.95%-71 bps
Liquidity & Funding
Loans / Shares37.31%37.15%35.39%33.41%35.29%-202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps