Boston, MA · Charter 19481
NCUA · 2 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.43% | 0.39% | 0.44% | 0.82% | 0.90% | 0.86% | 0.19% | -24 bps | |
| Return on Equity | -0.79% | 4.83% | 4.09% | 4.30% | 7.88% | 8.42% | 7.77% | 1.70% | -260 bps | |
| Net Interest Margin | 3.66% | 3.71% | 3.87% | 3.99% | 3.98% | 4.17% | 4.20% | 4.33% | +34 bps | |
| Efficiency Ratio | 84.86% | 84.71% | 82.46% | 75.70% | 73.32% | 74.90% | 77.29% | 142.63% | +6,693 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | -2.66% | -7.52% | -11.58% | -11.51% | -10.81% | -7.32% | -3.91% | +767 bps | |
| Loan Growth (YoY) | -4.97% | -6.34% | -9.03% | -8.98% | -9.60% | -5.96% | -2.71% | 3.21% | +1,218 bps | |
| Share Growth (YoY) | -5.11% | -3.33% | -6.64% | -13.17% | -13.42% | -12.60% | -8.95% | -6.84% | +633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 4.05% | 2.82% | 1.28% | 2.59% | 0.90% | 2.45% | 0.92% | -37 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 | 2.30% | 1.90% | 2.31% | 2.57% | 2.83% | 2.65% | 2.62% | 1.49% | -108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 8.93% | 9.43% | 10.17% | 10.45% | 10.74% | 11.03% | 11.40% | +123 bps | |
| Net Worth / Assets | 8.48% | 8.93% | 9.43% | 10.17% | 10.45% | 10.74% | 11.03% | 11.40% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.77% | 64.69% | 68.34% | 71.58% | 69.71% | 69.60% | 73.02% | 79.30% | +772 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |