Old Town, ME · Charter 18507
NCUA · 3 branches
Q4 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.48% | 0.55% | 0.55% | 0.07% | 0.13% | 0.12% | -0.31% | -86 bps | |
| Return on Equity | 4.06% | 5.05% | 5.70% | 5.80% | 0.81% | 1.51% | 1.48% | -5.55% | -1,135 bps | |
| Net Interest Margin | 4.42% | 4.27% | 4.22% | 4.00% | 3.35% | 2.91% | 2.83% | 2.72% | -128 bps | |
| Efficiency Ratio | 85.46% | 85.75% | 84.63% | 84.10% | 91.85% | 92.72% | 93.56% | 105.25% | +2,116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | 7.92% | 8.74% | 11.61% | 12.39% | 17.20% | 17.45% | 17.46% | +585 bps | |
| Loan Growth (YoY) | 5.32% | 1.35% | -1.08% | -5.08% | -7.41% | -7.25% | -3.76% | 0.90% | +599 bps | |
| Share Growth (YoY) | 5.45% | 7.65% | 8.52% | 12.69% | 13.48% | 18.86% | 19.17% | 18.69% | +601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.34% | 0.48% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.38% | 0.38% | 0.37% | 0.40% | 0.38% | 0.34% | 0.33% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.58% | 9.44% | 9.57% | 9.41% | 8.98% | 8.40% | 8.37% | 5.59% | -382 bps | |
| Net Worth / Assets | 9.58% | 9.44% | 9.57% | 9.41% | 8.98% | 8.40% | 8.37% | 5.59% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.39% | 84.98% | 83.73% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |