Haverhill, MA · Charter 67901
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Haverhill, MA · Charter 67901
Q3 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.23% | -1.33% | -1.16% | -2.64% | -18.30% | -1,407 bps | |
| Return on Equity | -12.84% | -4.10% | -3.62% | -8.46% | -89.16% | -7,632 bps | |
| Net Interest Margin | 0.82% | 1.46% | 1.01% | 1.00% | -13.47% | -1,430 bps | |
| Efficiency Ratio | 194.06% | 105.70% | 213% | 362% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.69% | 1.03% | -1.46% | -1.83% | -4.15% | -883 bps | |
| Loan Growth (YoY) | 62.28% | 38.60% | 18.34% | 15.33% | -9.07% | -7,135 bps | |
| Share Growth (YoY) | 9.30% | 2.75% | 1.12% | 1.24% | 14.83% | +554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.57% | 6.06% | 2.72% | 0.19% | 0.89% | -468 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.56% | 4.96% | 5.09% | 1.84% | 2.14% | -342 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.94% | 32.46% | 31.96% | 31.20% | 20.52% | -1,242 bps | |
| Net Worth / Assets | 32.94% | 32.46% | 31.96% | 31.20% | 20.52% | -1,242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.56% | 28.14% | 27.00% | 26.08% | 23.41% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |