Fall River, MA · Charter 12209
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | -1.11% | -1.75% | -4.36% | -2.85% | -3.26% | -3.32% | -6.97% | -261 bps | |
| Return on Equity | -13.89% | -16.12% | -28.91% | -81.32% | -53.34% | -70.77% | -84.63% | -277% | -19,573 bps | |
| Net Interest Margin | 5.25% | 5.41% | 5.30% | 4.33% | 4.72% | 4.73% | 4.75% | 4.37% | +4 bps | |
| Efficiency Ratio | 113.42% | 115.22% | 124.53% | 173.47% | 143.72% | 144.81% | 148.24% | 221% | +4,794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.25% | -11.77% | -9.40% | -16.07% | -18.22% | -14.98% | -16.30% | -17.91% | -185 bps | |
| Loan Growth (YoY) | -17.08% | -27.09% | -22.87% | -25.69% | -31.72% | -21.42% | -23.43% | -22.45% | +324 bps | |
| Share Growth (YoY) | -9.18% | -11.55% | -8.32% | -14.79% | -16.72% | -12.70% | -13.99% | -15.48% | -69 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 6.00% | 2.83% | 2.74% | 3.82% | 4.36% | 2.21% | 4.12% | +139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.84% | 2.64% | 2.03% | 1.90% | 2.27% | 2.77% | 2.98% | 3.25% | +135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.66% | 6.89% | 6.06% | 5.36% | 5.33% | 4.60% | 3.92% | 2.52% | -285 bps | |
| Net Worth / Assets | 6.66% | 6.89% | 6.06% | 5.36% | 5.33% | 4.60% | 3.92% | 2.52% | -285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.17% | 62.58% | 60.99% | 58.43% | 55.07% | 56.32% | 54.29% | 53.61% | -482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |