Pawtucket, RI · Charter 24645
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pawtucket, RI · Charter 24645
NCUA · 1 branch
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.45% | -0.26% | -0.33% | -1.35% | -0.47% | -0.27% | -0.19% | +14 bps | |
| Return on Equity | -14.76% | -6.53% | -3.47% | -4.35% | -19.80% | -6.81% | -3.55% | -2.41% | +194 bps | |
| Net Interest Margin | 2.17% | 2.28% | 2.46% | 2.49% | 2.46% | 2.59% | 2.80% | 2.83% | +34 bps | |
| Efficiency Ratio | 112.27% | 99.33% | 95.43% | 98.32% | 123.43% | 102.11% | 98.61% | 98.42% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 0.90% | 0.60% | -1.36% | -4.27% | -3.67% | -4.47% | -5.50% | -414 bps | |
| Loan Growth (YoY) | -8.27% | -14.55% | -12.04% | -9.71% | -10.44% | -10.45% | -10.15% | -12.49% | -279 bps | |
| Share Growth (YoY) | 4.52% | 1.99% | 1.66% | -1.16% | -4.26% | -3.59% | -4.62% | -6.64% | -549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.22% | 2.36% | 1.14% | 0.19% | 0.16% | 0.20% | 1.59% | +44 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 | 1.32% | 1.40% | 1.47% | 1.47% | 0.96% | 1.05% | 1.05% | 0.97% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.90% | 6.95% | 7.54% | 7.50% | 6.83% | 6.90% | 7.56% | 7.75% | +25 bps | |
| Net Worth / Assets | 6.90% | 6.95% | 7.54% | 7.50% | 6.83% | 6.90% | 7.56% | 7.75% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.28% | 46.48% | 49.97% | 48.01% | 44.23% | 43.18% | 47.07% | 45.00% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |