PackageTrendsPeer
Letter portraitLegal landscape

Ocean Spray Employees

Lakeville/Middl, MA · Charter 17537

NCUA · 2 branches

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Ocean Spray Employees

Lakeville/Middl, MA · Charter 17537

NCUA · 2 branches

Q4 2019

$10.7MAssets
$4.4MLoans
$9.3MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.35%, down 42 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 1.24% of loans (+43 bps YoY).
  • Capital: net worth / assets of 13.14%, up 1 bps from a year ago.
  • Funding: loans stand at 48.05% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.35%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-25 bps YoY

Efficiency Ratio (YTD, annualized)

96.82%+539 bps YoY

Net Worth / Assets

13.14%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.07%0.11%0.01%0.06%-0.35%-42 bps
Return on Equity0.50%0.80%0.09%0.43%-2.69%-319 bps
Net Interest Margin3.59%3.46%3.50%3.29%3.34%-25 bps
Efficiency Ratio91.43%90.70%93.43%92.76%96.82%+539 bps
Growth
Asset Growth (YoY)-5.22%-5.80%-8.38%-2.54%-2.72%+250 bps
Loan Growth (YoY)-6.81%-8.23%-11.10%-13.93%-16.67%-986 bps
Share Growth (YoY)-6.00%-6.90%-9.77%-2.93%-2.70%+331 bps
Asset Quality
Delinquent Loans / Loans0.81%0.68%0.60%2.24%1.24%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.79%0.82%0.83%0.85%-16 bps
Capital
Risk-Based Capital13.12%13.58%13.83%13.11%13.14%+1 bps
Net Worth / Assets13.12%13.58%13.83%13.11%13.14%+1 bps
Liquidity & Funding
Loans / Shares56.12%56.01%54.84%49.51%48.05%-806 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps