W. Springfield, MA · Charter 13781
NCUA · 1 branch
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.46% | -0.07% | 0.12% | 0.03% | +24 bps | |
| Return on Equity | -2.61% | -6.10% | -0.88% | 1.46% | 0.43% | +304 bps | |
| Net Interest Margin | 2.26% | 2.32% | 2.37% | 2.45% | 2.51% | +26 bps | |
| Efficiency Ratio | 98.40% | 98.47% | 94.39% | 89.93% | 95.99% | -241 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 0.76% | -0.79% | -2.26% | -1.06% | -328 bps | |
| Loan Growth (YoY) | 14.47% | 14.24% | 8.03% | 1.75% | 2.03% | -1,244 bps | |
| Share Growth (YoY) | 2.65% | 1.26% | -0.64% | -2.43% | -1.23% | -388 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.88% | 0.98% | 0.92% | 0.95% | 0.77% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.84% | 7.56% | 7.68% | 7.96% | 7.96% | +12 bps | |
| Net Worth / Assets | 7.84% | 7.56% | 7.68% | 7.96% | 7.96% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |