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St. Joseph

Salem, MA · Charter 67781

Q2 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: 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.

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

St. Joseph

Salem, MA · Charter 67781

Q2 2015

$50.1MAssets
$32.6MLoans
$37.6MShares
$6.8MNet Worth

Executive Summary

  • Earnings: ROA of -8.15%, down 793 bps year over year; NIM at -3.31%.
  • Asset quality: problem loans at 0.20% of loans (-50 bps YoY).
  • Capital: net worth / assets of 13.51%, down 152 bps from a year ago.
  • Funding: loans stand at 86.73% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-8.15%-793 bps YoY

Net Interest Margin (YTD, annualized)

-3.31%-539 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.51%-152 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.18%-0.46%-0.37%-0.23%-0.23%-0.21%0.13%-8.15%-793 bps
Return on Equity-1.11%-3.04%-2.46%-1.51%-1.56%-1.37%0.89%-60.36%-5,885 bps
Net Interest Margin2.01%2.00%2.11%2.08%2.10%2.13%2.06%-3.31%-539 bps
Efficiency Ratio112.93%121.31%113.98%108.23%107.85%106.47%99.55%n/an/a
Growth
Asset Growth (YoY)-4.61%-2.40%2.51%1.15%0.73%-1.51%-2.54%-15.06%-1,622 bps
Loan Growth (YoY)-6.24%1.51%0.33%-0.96%-0.80%-2.62%-3.04%1.41%+237 bps
Share Growth (YoY)-0.94%5.02%7.39%5.09%3.60%-2.37%-4.65%-3.18%-828 bps
Asset Quality
Delinquent Loans / Loans1.52%0.77%0.09%0.70%0.86%0.90%0.85%0.20%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.55%0.51%0.53%0.53%0.55%0.46%0.44%-9 bps
Capital
Risk-Based Capital15.71%15.18%14.88%15.03%15.09%15.20%15.19%13.51%-152 bps
Net Worth / Assets15.71%15.18%14.88%15.03%15.09%15.20%15.19%13.51%-152 bps
Liquidity & Funding
Loans / Shares88.33%87.31%85.14%82.80%84.57%87.08%86.57%86.73%+393 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps