PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Massachusetts

Braintree, MA · Charter 7665

Q1 1998

$69.3MAssets
$52.0MLoans
$56.5MShares
n/aNet 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 4.65%, down 6 bps year over year.
  • Asset quality: problem loans at 1.27% of loans (-53 bps YoY).
  • Funding: loans stand at 92.15% of shares as of Q1 1998.

Financial Results

Return on Assets (quarter, annualized)

4.65%-6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets4.71%4.50%4.80%4.65%4.65%-6 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans1.80%1.56%1.57%1.41%1.27%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.62%1.46%1.29%1.14%1.06%-57 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.43%85.50%99.43%99.54%92.15%+73 bps
Liquid Assets / Assets19.24%19.97%13.21%15.60%20.94%+170 bps