Millbury, OH · Charter 16537
NCUA · 1 branch
Q4 2019
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.22% | 0.38% | 0.37% | 0.38% | +12 bps | |
| Return on Equity | 2.57% | 2.15% | 3.68% | 3.62% | 3.53% | +96 bps | |
| Net Interest Margin | 3.56% | 3.50% | 3.56% | 3.59% | 3.68% | +12 bps | |
| Efficiency Ratio | 92.31% | 91.96% | 89.92% | 90.49% | 90.81% | -150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.43% | -2.18% | -1.25% | 0.35% | -1.53% | +289 bps | |
| Loan Growth (YoY) | 3.99% | 6.55% | 1.01% | -2.99% | -3.39% | -738 bps | |
| Share Growth (YoY) | -4.98% | -2.62% | -1.76% | 0.01% | -2.20% | +278 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.10% | 0.25% | 0.24% | 0.25% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.27% | 0.27% | 0.27% | 0.27% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 9.99% | 10.21% | 10.28% | 10.70% | +54 bps | |
| Net Worth / Assets | 10.17% | 9.99% | 10.21% | 10.28% | 10.70% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.92% | 79.62% | 80.03% | 80.70% | 81.90% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 98.31% | 99.37% | 99.06% | 0.00% | 0 bps | |