Warwick, RI · Charter 24474
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Warwick, RI · Charter 24474
NCUA · 1 branch
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.81% | 0.87% | 0.71% | 0.73% | 0.67% | 0.64% | -35.14% | -3,584 bps | |
| Return on Equity | 6.86% | 7.87% | 7.70% | 6.61% | 6.42% | 5.80% | 5.30% | -1390% | -139,621 bps | |
| Net Interest Margin | 4.26% | 4.33% | 4.70% | 4.42% | 4.56% | 4.60% | 4.85% | 4.37% | -5 bps | |
| Efficiency Ratio | 82.80% | 81.10% | 81.89% | 86.17% | 85.03% | 83.79% | 83.74% | 690% | +60,396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -4.49% | -5.95% | -4.80% | -5.60% | -4.80% | -1.10% | -1.98% | +282 bps | |
| Loan Growth (YoY) | 6.10% | -2.97% | -3.51% | -2.06% | -1.11% | 0.53% | -0.19% | -5.16% | -310 bps | |
| Share Growth (YoY) | -0.98% | -5.36% | -7.87% | -4.93% | -6.22% | -5.56% | -1.76% | -0.75% | +417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.48% | 1.57% | 1.10% | 1.40% | 0.82% | 0.69% | 0.39% | -71 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 | 1.40% | 1.44% | 1.31% | 1.04% | 1.16% | 0.20% | 0.37% | 0.00% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 10.26% | 11.26% | 10.68% | 11.29% | 11.48% | 12.03% | 2.53% | -815 bps | |
| Net Worth / Assets | 9.86% | 10.26% | 11.26% | 10.68% | 11.29% | 11.48% | 12.03% | 2.53% | -815 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.85% | 61.43% | 67.79% | 61.50% | 66.27% | 65.40% | 68.87% | 58.77% | -273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |