Lawrence, MA · Charter 67912
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 67912
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -1.57% | -1.60% | -1.71% | -30.23% | -2,863 bps | |
| Return on Equity | -3.67% | -3.75% | -3.80% | -4.37% | -114.79% | -11,112 bps | |
| Net Interest Margin | 5.33% | 5.16% | 4.97% | 3.93% | -19.52% | -2,485 bps | |
| Efficiency Ratio | 126.55% | 124.63% | 124.99% | 139.34% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.34% | 3.63% | 2.32% | 4.23% | 3.15% | +349 bps | |
| Loan Growth (YoY) | -8.96% | -14.04% | -22.89% | -24.54% | -14.24% | -528 bps | |
| Share Growth (YoY) | 1.69% | 9.60% | 8.06% | 10.92% | 36.20% | +3,451 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 5.51% | 3.70% | 3.48% | 2.81% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 2.09% | 0.43% | 0.58% | 2.66% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.59% | 41.76% | 41.96% | 39.13% | 26.34% | -1,725 bps | |
| Net Worth / Assets | 43.59% | 41.76% | 41.96% | 39.13% | 26.34% | -1,725 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.46% | 85.09% | 78.85% | 66.55% | 62.00% | -3,646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |