So. Portland, ME · Charter 24249
NCUA · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.25% | -0.33% | -0.37% | -1.07% | -1.10% | -0.93% | -1.04% | -67 bps | |
| Return on Equity | -1.24% | -1.46% | -1.86% | -2.21% | -7.33% | -7.41% | -6.50% | -7.30% | -509 bps | |
| Net Interest Margin | 2.65% | 2.28% | 2.22% | 2.04% | 1.12% | 1.10% | 1.14% | 1.16% | -88 bps | |
| Efficiency Ratio | 107.11% | 108.73% | 111.37% | 113.64% | 162.87% | 164.99% | 153.56% | 157.84% | +4,419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | 12.82% | 10.21% | 25.03% | 26.60% | 15.62% | 21.84% | 10.47% | -1,457 bps | |
| Loan Growth (YoY) | -6.88% | -14.30% | -21.73% | -20.35% | -22.69% | -18.87% | -14.27% | -9.99% | +1,036 bps | |
| Share Growth (YoY) | -3.45% | 15.98% | 22.02% | 33.08% | 33.20% | 20.29% | 27.45% | 14.59% | -1,848 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 2.60% | 0.00% | 0 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% | 1.17% | 1.22% | 1.12% | 1.21% | 1.23% | 1.21% | 1.25% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.20% | 17.45% | 17.54% | 16.93% | 14.63% | 14.87% | 14.28% | 14.28% | -265 bps | |
| Net Worth / Assets | 19.20% | 17.45% | 17.54% | 16.93% | 14.63% | 14.87% | 14.28% | 14.28% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.70% | 50.62% | 49.20% | 43.99% | 35.23% | 34.14% | 33.09% | 34.55% | -944 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |