Bedford, MA · Charter 13859
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.92% | 1.82% | 1.90% | 1.81% | 1.88% | -1.02% | -0.66% | -256 bps | |
| Return on Equity | 2.58% | 7.64% | 7.39% | 7.54% | 7.03% | 7.21% | -4.06% | -2.52% | -1,006 bps | |
| Net Interest Margin | 4.51% | 4.95% | 4.77% | 4.86% | 4.90% | 4.68% | 4.45% | 4.61% | -25 bps | |
| Efficiency Ratio | 57.84% | 61.72% | 62.24% | 61.00% | 63.42% | 60.31% | 61.39% | 73.04% | +1,204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | 13.67% | 9.88% | 9.27% | 5.84% | 3.73% | -0.82% | -4.47% | -1,374 bps | |
| Loan Growth (YoY) | 22.57% | 23.77% | 14.20% | 4.33% | -2.42% | -9.42% | -15.22% | -22.67% | -2,699 bps | |
| Share Growth (YoY) | 21.71% | 25.76% | 18.34% | 17.22% | 12.49% | 7.57% | 2.72% | -2.21% | -1,944 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.23% | 2.63% | 0.88% | 3.00% | 6.50% | 10.36% | 13.26% | 11.02% | +803 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 | 1.64% | 1.44% | 1.26% | 1.11% | 1.03% | 1.11% | 2.51% | 2.79% | +168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.37% | 25.13% | 24.64% | 25.15% | 25.78% | 26.03% | 25.22% | 26.32% | +116 bps | |
| Net Worth / Assets | 25.37% | 25.13% | 24.64% | 25.15% | 25.78% | 26.03% | 25.22% | 26.32% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.94% | 109.36% | 103.57% | 103.60% | 98.84% | 92.09% | 85.48% | 81.93% | -2,167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |