PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Medford Municipal Employees

Medford, MA · Charter 67885

Q2 1998

$4.5MAssets
$2.0MLoans
$3.6MShares
n/aNet 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 3.74%, up 8 bps year over year.
  • Asset quality: problem loans at 0.30% of loans (+26 bps YoY).
  • Funding: loans stand at 56.22% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.74%+8 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.66%3.79%3.56%4.08%3.74%+8 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-2.61%1.67%8.89%4.42%12.84%+1,545 bps
Loan Growth (YoY)46.05%44.92%39.09%27.02%7.53%-3,852 bps
Share Growth (YoY)-5.14%-0.50%7.88%1.65%11.97%+1,711 bps
Asset Quality
Delinquent Loans / Loans0.04%0.00%0.76%0.37%0.30%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%0.86%0.89%0.47%0.24%-69 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares58.54%63.69%55.83%67.67%56.22%-232 bps
Liquid Assets / Assets39.29%35.34%39.52%37.07%41.11%+182 bps