Lawrence, MA · Charter 67847
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 67847
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.90% | 0.84% | 0.14% | 0.20% | -73 bps | |
| Return on Equity | 5.17% | 4.42% | 4.07% | 0.68% | 1.01% | -416 bps | |
| Net Interest Margin | 3.08% | 3.38% | 3.38% | 2.85% | 2.79% | -29 bps | |
| Efficiency Ratio | 70.04% | 73.47% | 75.12% | 87.55% | 85.80% | +1,576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.76% | -7.39% | -7.34% | -5.97% | -6.68% | +8 bps | |
| Loan Growth (YoY) | -11.00% | -6.89% | 1.67% | 2.45% | -4.21% | +678 bps | |
| Share Growth (YoY) | -8.94% | -14.23% | -12.68% | -8.35% | -8.81% | +13 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.75% | 3.97% | 4.49% | 4.53% | 4.76% | +101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.59% | 0.57% | 0.31% | 0.49% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.96% | 20.38% | 20.76% | 20.74% | 19.58% | +161 bps | |
| Net Worth / Assets | 17.96% | 20.38% | 20.76% | 20.74% | 19.58% | +161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.38% | 47.46% | 48.99% | 45.36% | 39.26% | +188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |