Boston, MA · Charter 67889
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 67889
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -0.42% | -1.21% | -0.05% | -1.26% | -100 bps | |
| Return on Equity | -3.06% | -5.28% | -16.07% | -0.69% | -17.48% | -1,442 bps | |
| Net Interest Margin | 4.59% | 4.52% | 4.79% | 4.93% | 4.54% | -5 bps | |
| Efficiency Ratio | 72.36% | 76.78% | 76.82% | 73.33% | 103.59% | +3,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.56% | 19.79% | 12.91% | 7.77% | 9.64% | -792 bps | |
| Loan Growth (YoY) | 7.66% | 5.14% | 7.10% | 4.55% | -3.45% | -1,110 bps | |
| Share Growth (YoY) | 19.47% | 22.53% | 14.40% | 9.14% | 11.17% | -830 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 1.64% | 0.68% | 0.85% | 0.91% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.38% | 1.75% | 1.88% | 2.25% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 7.94% | 7.53% | 7.78% | 7.19% | -135 bps | |
| Net Worth / Assets | 8.54% | 7.94% | 7.53% | 7.78% | 7.19% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.66% | 75.53% | 74.20% | 74.81% | 68.32% | -1,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |