W. Springfield, MA · Charter 13781
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
W. Springfield, MA · Charter 13781
NCUA · 1 branch
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.09% | -0.17% | -0.20% | -0.46% | -0.07% | 0.12% | 0.03% | +24 bps | |
| Return on Equity | 3.35% | -1.18% | -2.13% | -2.61% | -6.10% | -0.88% | 1.46% | 0.43% | +304 bps | |
| Net Interest Margin | 2.13% | 2.12% | 2.17% | 2.26% | 2.32% | 2.37% | 2.45% | 2.51% | +26 bps | |
| Efficiency Ratio | 93.70% | 98.78% | 98.77% | 98.40% | 98.47% | 94.39% | 89.93% | 95.99% | -241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 2.34% | 3.95% | 2.23% | 0.76% | -0.79% | -2.26% | -1.06% | -328 bps | |
| Loan Growth (YoY) | 0.24% | 5.86% | 8.88% | 14.47% | 14.24% | 8.03% | 1.75% | 2.03% | -1,244 bps | |
| Share Growth (YoY) | 4.78% | 2.56% | 4.22% | 2.65% | 1.26% | -0.64% | -2.43% | -1.23% | -388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 1.55% | 1.26% | 1.31% | 1.34% | 1.26% | 1.51% | 1.34% | +3 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 | 0.54% | 0.71% | 0.85% | 0.88% | 0.98% | 0.92% | 0.95% | 0.77% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 7.81% | 7.78% | 7.84% | 7.56% | 7.68% | 7.96% | 7.96% | +12 bps | |
| Net Worth / Assets | 8.01% | 7.81% | 7.78% | 7.84% | 7.56% | 7.68% | 7.96% | 7.96% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.48% | 35.37% | 36.76% | 38.68% | 37.77% | 38.46% | 38.34% | 39.95% | +127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |