Coventry, RI · Charter 24475
NCUA · 1 branch
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.69% | -0.46% | -0.63% | -0.60% | -0.34% | +35 bps | |
| Return on Equity | -3.77% | -2.50% | -3.38% | -3.38% | -1.82% | +196 bps | |
| Net Interest Margin | 1.92% | 1.91% | 2.00% | 1.24% | 1.29% | -64 bps | |
| Efficiency Ratio | 135.62% | 123.95% | 131.62% | 148.39% | 126.06% | -956 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.22% | 9.40% | 7.56% | 2.83% | -3.34% | -1,257 bps | |
| Loan Growth (YoY) | -16.72% | -24.15% | -24.48% | -25.14% | -29.06% | -1,235 bps | |
| Share Growth (YoY) | 12.71% | 12.65% | 10.42% | 4.05% | -3.76% | -1,647 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.27% | 0.26% | 0.28% | 1.60% | +67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.50% | 0.54% | 0.56% | 0.32% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.17% | 18.26% | 18.77% | 17.80% | 18.48% | +31 bps | |
| Net Worth / Assets | 18.17% | 18.26% | 18.77% | 17.80% | 18.48% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.23% | 54.05% | 52.66% | 46.82% | 43.66% | -1,558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |