Newton Upper Fa, MA · Charter 9959
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Newton Upper Fa, MA · Charter 9959
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.73% | 0.67% | 0.45% | 0.63% | -31 bps | |
| Return on Equity | 3.25% | 2.54% | 2.36% | 1.59% | 2.15% | -110 bps | |
| Net Interest Margin | 3.55% | 3.43% | 3.37% | 3.42% | 3.26% | -29 bps | |
| Efficiency Ratio | 73.47% | 75.41% | 75.51% | 86.88% | 80.74% | +727 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.19% | 6.93% | 8.06% | 4.55% | 0.72% | -947 bps | |
| Loan Growth (YoY) | -27.92% | -34.19% | -33.20% | -34.59% | -38.59% | -1,067 bps | |
| Share Growth (YoY) | 13.54% | 9.10% | 10.82% | 5.95% | 0.50% | -1,304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.67% | 12.82% | 16.75% | 8.58% | 13.50% | +483 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 1.05% | 1.54% | 0.93% | 1.05% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.01% | 28.67% | 28.43% | 28.56% | 29.33% | +32 bps | |
| Net Worth / Assets | 29.01% | 28.67% | 28.43% | 28.56% | 29.33% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.03% | 29.30% | 26.74% | 23.79% | 22.02% | -1,402 bps | |
| Liquid Assets / Assets | 71.28% | 74.18% | 78.23% | 18.53% | 15.11% | -5,617 bps | |