Acushnet, MA · Charter 13814
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.59% | -0.60% | -0.47% | 0.05% | 0.07% | 0.70% | 0.60% | +106 bps | |
| Return on Equity | -2.27% | -10.05% | -10.23% | -7.95% | 0.85% | 1.07% | 10.08% | 8.60% | +1,655 bps | |
| Net Interest Margin | 1.09% | 1.15% | 1.22% | 1.39% | 1.68% | 1.80% | 2.09% | 2.14% | +75 bps | |
| Efficiency Ratio | 108.21% | 133.93% | 132.78% | 125.04% | 97.80% | 97.29% | 74.80% | 78.43% | -4,662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.55% | 3.65% | 0.75% | 0.16% | -4.03% | -7.13% | -9.68% | -7.69% | -785 bps | |
| Loan Growth (YoY) | -9.79% | -7.19% | -0.78% | -2.98% | 0.16% | -7.21% | -5.42% | -8.34% | -536 bps | |
| Share Growth (YoY) | 10.36% | 4.66% | 1.64% | 1.12% | -3.54% | -6.85% | -10.75% | -8.70% | -982 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.07% | 0.07% | 0.03% | 0.06% | 0.06% | 0.00% | -7 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 | 0.32% | 0.32% | 0.32% | 0.33% | 0.00% | 0.00% | 0.00% | 0.00% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.95% | 5.89% | 5.89% | 5.87% | 5.86% | 6.15% | 6.91% | 6.95% | +109 bps | |
| Net Worth / Assets | 5.95% | 5.89% | 5.89% | 5.87% | 5.86% | 6.15% | 6.91% | 6.95% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.12% | 27.80% | 28.28% | 29.01% | 28.16% | 27.69% | 29.96% | 29.13% | +11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |