Pawtucket, RI · Charter 24645
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.49% | 2.46% | 2.59% | 2.80% | 2.83% | +34 bps | |
| Efficiency Ratio | 98.32% | 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 / Loans | 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 |
| Allowance / Loans | 1.47% | 0.96% | 1.05% | 1.05% | 0.97% | -50 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.50% | 6.83% | 6.90% | 7.56% | 7.75% | +25 bps | |
| Net Worth / Assets | 7.50% | 6.83% | 6.90% | 7.56% | 7.75% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |