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Newton Teachers

Newtonville, MA · Charter 67992

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Newton Teachers

Newtonville, MA · Charter 67992

NCUA

Q1 2016

$2.1MAssets
$362KLoans
$1.8MShares
$277KNet 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 -7.38%, down 630 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.00% of loans (-175 bps YoY).
  • Capital: net worth / assets of 13.44%, down 187 bps from a year ago.
  • Funding: loans stand at 20.22% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-7.38%-630 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-18 bps YoY

Efficiency Ratio (YTD, annualized)

340%+19,544 bps YoY

Net Worth / Assets

13.44%-187 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-1.08%-1.32%-1.09%-1.12%-7.38%-630 bps
Return on Equity-7.05%-8.74%-7.24%-7.56%-54.87%-4,781 bps
Net Interest Margin2.39%2.15%2.33%2.32%2.21%-18 bps
Efficiency Ratio144.71%150.11%137.48%138.24%340%+19,544 bps
Growth
Asset Growth (YoY)-6.26%-7.87%-1.28%1.71%-5.21%+104 bps
Loan Growth (YoY)24.92%4.69%-15.72%-19.82%-21.44%-4,636 bps
Share Growth (YoY)-6.49%-7.99%-0.35%3.66%-2.67%+382 bps
Asset Quality
Delinquent Loans / Loans1.75%2.60%8.83%7.89%0.00%-175 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%1.24%1.39%1.88%0.00%-60 bps
Capital
Risk-Based Capital15.31%15.10%15.04%14.76%13.44%-187 bps
Net Worth / Assets15.31%15.10%15.04%14.76%13.44%-187 bps
Liquidity & Funding
Loans / Shares25.05%23.51%24.42%22.15%20.22%-483 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps