Old Town, ME · Charter 18507
NCUA · 3 branches
Q4 2020
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.07% | 0.13% | 0.12% | -0.31% | -86 bps | |
| Return on Equity | 5.80% | 0.81% | 1.51% | 1.48% | -5.55% | -1,135 bps | |
| Net Interest Margin | 4.00% | 3.35% | 2.91% | 2.83% | 2.72% | -128 bps | |
| Efficiency Ratio | 84.10% | 91.85% | 92.72% | 93.56% | 105.25% | +2,116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.61% | 12.39% | 17.20% | 17.45% | 17.46% | +585 bps | |
| Loan Growth (YoY) | -5.08% | -7.41% | -7.25% | -3.76% | 0.90% | +599 bps | |
| Share Growth (YoY) | 12.69% | 13.48% | 18.86% | 19.17% | 18.69% | +601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.66% | 0.49% | 0.74% | 1.07% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.40% | 0.38% | 0.34% | 0.33% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.41% | 8.98% | 8.40% | 8.37% | 5.59% | -382 bps | |
| Net Worth / Assets | 9.41% | 8.98% | 8.40% | 8.37% | 5.59% | -382 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.85% | 72.11% | 66.31% | 67.62% | 67.03% | -1,182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |