Boston, MA · Charter 67866
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Boston, MA · Charter 67866
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.19% | -1.14% | -0.66% | 0.18% | 0.20% | +139 bps | |
| Return on Equity | -15.92% | -15.66% | -8.28% | 2.47% | 2.63% | +1,855 bps | |
| Net Interest Margin | 4.10% | 4.03% | 4.12% | 3.28% | 3.23% | -87 bps | |
| Efficiency Ratio | 84.06% | 90.14% | 88.47% | 90.91% | 93.10% | +905 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.96% | -0.95% | -11.88% | -3.88% | -2.21% | -517 bps | |
| Loan Growth (YoY) | -25.21% | -30.14% | -27.57% | -20.83% | -16.31% | +890 bps | |
| Share Growth (YoY) | 4.10% | 0.73% | -12.23% | -4.14% | -1.32% | -542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.57% | 2.32% | 0.84% | 0.90% | 0.61% | -296 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.54% | 4.50% | 4.07% | 4.34% | 3.99% | -55 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.28% | 7.92% | 7.47% | 7.71% | +25 bps | |
| Net Worth / Assets | 7.46% | 7.28% | 7.92% | 7.47% | 7.71% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.10% | 49.53% | 50.55% | 44.57% | 45.88% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |