Lakeville/Middl, MA · Charter 17537
NCUA · 2 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.18% | 0.08% | 0.07% | 0.11% | 0.01% | 0.06% | -0.35% | -42 bps | |
| Return on Equity | -4.54% | -1.40% | 0.65% | 0.50% | 0.80% | 0.09% | 0.43% | -2.69% | -319 bps | |
| Net Interest Margin | 3.46% | 3.49% | 3.51% | 3.59% | 3.46% | 3.50% | 3.29% | 3.34% | -25 bps | |
| Efficiency Ratio | 96.90% | 93.08% | 89.03% | 91.43% | 90.70% | 93.43% | 92.76% | 96.82% | +539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.06% | 0.07% | -6.98% | -5.22% | -5.80% | -8.38% | -2.54% | -2.72% | +250 bps | |
| Loan Growth (YoY) | -6.02% | -6.11% | -4.95% | -6.81% | -8.23% | -11.10% | -13.93% | -16.67% | -986 bps | |
| Share Growth (YoY) | -3.48% | 0.03% | -8.00% | -6.00% | -6.90% | -9.77% | -2.93% | -2.70% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.91% | 0.77% | 0.81% | 0.68% | 0.60% | 2.24% | 1.24% | +43 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 | 1.10% | 1.22% | 1.14% | 1.01% | 0.79% | 0.82% | 0.83% | 0.85% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.56% | 12.51% | 12.77% | 13.12% | 13.58% | 13.83% | 13.11% | 13.14% | +1 bps | |
| Net Worth / Assets | 12.56% | 12.51% | 12.77% | 13.12% | 13.58% | 13.83% | 13.11% | 13.14% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.82% | 55.67% | 55.84% | 56.12% | 56.01% | 54.84% | 49.51% | 48.05% | -806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |