Boston, MA · Charter 68024
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 68024
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 2.06% | 1.76% | 1.76% | -5.70% | -767 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.01% | 0.56% | 1.13% | 5.04% | -4.16% | +185 bps | |
| Loan Growth (YoY) | -17.29% | -18.75% | -8.03% | -8.29% | 2.91% | +2,020 bps | |
| Share Growth (YoY) | -7.57% | 0.19% | 0.85% | 6.63% | -0.53% | +705 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 2.95% | 2.83% | 2.88% | 3.62% | +229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.45% | 1.46% | 1.18% | 2.27% | +106 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.65% | 73.42% | 80.62% | 81.55% | 77.23% | +258 bps | |
| Liquid Assets / Assets | 17.96% | 21.42% | 23.66% | 13.51% | 24.04% | +608 bps | |