PackageTrendsPeer
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Northeastern University

Boston, MA · Charter 19481

NCUA · 2 branches

Q1 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: Q1 2019, the quarter ended March 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 2026-10-11

Northeastern University

Boston, MA · Charter 19481

NCUA · 2 branches

Q1 2019

$21.8MAssets
$15.1MLoans
$19.0MShares
$2.5MNet 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 0.19%, down 24 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.92% of loans (-37 bps YoY).
  • Capital: net worth / assets of 11.40%, up 123 bps from a year ago.
  • Funding: loans stand at 79.30% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.19%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+34 bps YoY

Efficiency Ratio (YTD, annualized)

142.63%+6,693 bps YoY

Net Worth / Assets

11.40%+123 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.44%0.82%0.90%0.86%0.19%-24 bps
Return on Equity4.30%7.88%8.42%7.77%1.70%-260 bps
Net Interest Margin3.99%3.98%4.17%4.20%4.33%+34 bps
Efficiency Ratio75.70%73.32%74.90%77.29%142.63%+6,693 bps
Growth
Asset Growth (YoY)-11.58%-11.51%-10.81%-7.32%-3.91%+767 bps
Loan Growth (YoY)-8.98%-9.60%-5.96%-2.71%3.21%+1,218 bps
Share Growth (YoY)-13.17%-13.42%-12.60%-8.95%-6.84%+633 bps
Asset Quality
Delinquent Loans / Loans1.28%2.59%0.90%2.45%0.92%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.57%2.83%2.65%2.62%1.49%-108 bps
Capital
Risk-Based Capital10.17%10.45%10.74%11.03%11.40%+123 bps
Net Worth / Assets10.17%10.45%10.74%11.03%11.40%+123 bps
Liquidity & Funding
Loans / Shares71.58%69.71%69.60%73.02%79.30%+772 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps