Keene, NH · Charter 13073
NCUA · 1 branch
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | 0.38% | 0.40% | 0.80% | 1.16% | +129 bps | |
| Return on Equity | -1.43% | 4.40% | 4.61% | 8.78% | 11.82% | +1,325 bps | |
| Net Interest Margin | 2.87% | 2.75% | 2.82% | 2.97% | 3.18% | +30 bps | |
| Efficiency Ratio | 94.80% | 90.98% | 87.59% | 80.46% | 74.28% | -2,052 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.26% | 11.14% | 10.99% | 5.72% | 3.33% | -693 bps | |
| Loan Growth (YoY) | -1.21% | 4.39% | 11.83% | 13.13% | 16.53% | +1,774 bps | |
| Share Growth (YoY) | 11.23% | 11.85% | 11.62% | 5.12% | 2.48% | -875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.02% | 2.09% | 1.86% | 1.31% | 0.51% | -151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.53% | 1.31% | 1.39% | 1.21% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.09% | 8.71% | 8.68% | 9.10% | 9.80% | +71 bps | |
| Net Worth / Assets | 9.09% | 8.71% | 8.68% | 9.10% | 9.80% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.43% | 43.86% | 46.45% | 48.75% | 51.67% | +623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |