New Bedford, MA · Charter 9484
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.
New Bedford, MA · Charter 9484
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 | 5.75% | 5.41% | 5.17% | 5.13% | 4.86% | -89 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) | 0.38% | -3.24% | -1.02% | -9.35% | 2.22% | +184 bps | |
| Loan Growth (YoY) | -10.71% | -24.84% | -36.03% | -39.09% | -44.50% | -3,379 bps | |
| Share Growth (YoY) | -0.25% | -3.73% | -0.98% | -10.38% | 2.39% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 2.45% | 2.06% | 0.87% | 4.99% | +437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.63% | 5.07% | 5.65% | 6.35% | 6.28% | +165 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 | 33.90% | 31.28% | 26.95% | 25.74% | 18.38% | -1,553 bps | |
| Liquid Assets / Assets | 67.49% | 64.28% | 58.91% | 73.89% | 77.35% | +986 bps | |