Braintree, MA · Charter 7665
Q1 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1998, the quarter ended March 31, 1998, 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.
Braintree, MA · Charter 7665
Q1 1998
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 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.71% | 4.50% | 4.80% | 4.65% | 4.65% | -6 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) | 7.81% | 11.70% | 9.41% | 8.61% | 11.01% | +320 bps | |
| Loan Growth (YoY) | 16.41% | 13.89% | 14.81% | 10.81% | 12.16% | -425 bps | |
| Share Growth (YoY) | 6.67% | 11.63% | 11.79% | 9.03% | 11.27% | +460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 1.56% | 1.57% | 1.41% | 1.27% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.46% | 1.29% | 1.14% | 1.06% | -57 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 | 91.43% | 85.50% | 99.43% | 99.54% | 92.15% | +73 bps | |
| Liquid Assets / Assets | 19.24% | 19.97% | 13.21% | 15.60% | 20.94% | +170 bps | |