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Brockton Brotherhood

Brockton, MA · Charter 68049

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Brockton Brotherhood

Brockton, MA · Charter 68049

Q2 2007

$43.6MAssets
$31.3MLoans
$34.1MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.21%, down 17 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.90% of loans (-2 bps YoY).
  • Capital: net worth / assets of 11.73%, down 114 bps from a year ago.
  • Funding: loans stand at 91.89% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

-0.21%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+5 bps YoY

Efficiency Ratio (YTD, annualized)

91.56%-634 bps YoY

Net Worth / Assets

11.73%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-0.01%-0.11%0.08%-0.04%-0.60%-0.47%0.03%-0.21%-17 bps
Return on Equity-0.09%-0.91%0.65%-0.31%-4.74%-3.59%0.23%-1.76%-145 bps
Net Interest Margin2.87%2.89%2.87%2.90%2.93%2.96%2.87%2.95%+5 bps
Efficiency Ratio99.87%100.63%97.50%97.90%111.22%109.63%91.71%91.56%-634 bps
Growth
Asset Growth (YoY)-0.04%5.55%2.16%-4.78%-7.29%-7.64%-7.33%-8.53%-375 bps
Loan Growth (YoY)-2.80%-1.49%-2.34%-6.74%-8.01%-10.38%-11.84%-14.37%-764 bps
Share Growth (YoY)-2.25%0.69%-1.38%-2.86%-6.17%-7.35%-5.69%-7.27%-441 bps
Asset Quality
Delinquent Loans / Loans0.50%1.15%0.88%0.93%0.56%0.19%0.75%0.90%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.10%0.14%0.11%0.13%0.16%0.14%0.17%0.23%+10 bps
Capital
Risk-Based Capital12.34%12.43%12.66%12.87%12.70%12.95%11.42%11.73%-114 bps
Net Worth / Assets12.34%12.43%12.66%12.87%12.70%12.95%11.42%11.73%-114 bps
Liquidity & Funding
Loans / Shares101.32%100.26%98.81%99.51%99.33%96.99%92.37%91.89%-762 bps
Liquid Assets / Assets5.45%6.09%6.04%0.00%0.00%0.00%0.00%0.00%0 bps