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Alliance Blackstone Valley

Pawtucket, RI · Charter 24645

NCUA · 1 branch

Q4 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: Q4 2019, the quarter ended December 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

Alliance Blackstone Valley

Pawtucket, RI · Charter 24645

NCUA · 1 branch

Q4 2019

$28.9MAssets
$12.0MLoans
$26.6MShares
$2.2MNet 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%, up 14 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.59% of loans (+44 bps YoY).
  • Capital: net worth / assets of 7.75%, up 25 bps from a year ago.
  • Funding: loans stand at 45.00% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.19%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+34 bps YoY

Efficiency Ratio (YTD, annualized)

98.42%+10 bps YoY

Net Worth / Assets

7.75%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-0.33%-1.35%-0.47%-0.27%-0.19%+14 bps
Return on Equity-4.35%-19.80%-6.81%-3.55%-2.41%+194 bps
Net Interest Margin2.49%2.46%2.59%2.80%2.83%+34 bps
Efficiency Ratio98.32%123.43%102.11%98.61%98.42%+10 bps
Growth
Asset Growth (YoY)-1.36%-4.27%-3.67%-4.47%-5.50%-414 bps
Loan Growth (YoY)-9.71%-10.44%-10.45%-10.15%-12.49%-279 bps
Share Growth (YoY)-1.16%-4.26%-3.59%-4.62%-6.64%-549 bps
Asset Quality
Delinquent Loans / Loans1.14%0.19%0.16%0.20%1.59%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%0.96%1.05%1.05%0.97%-50 bps
Capital
Risk-Based Capital7.50%6.83%6.90%7.56%7.75%+25 bps
Net Worth / Assets7.50%6.83%6.90%7.56%7.75%+25 bps
Liquidity & Funding
Loans / Shares48.01%44.23%43.18%47.07%45.00%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps