Pawtucket, RI · Charter 24714
NCUA · 1 branch
Q1 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.01% | -0.80% | -1.00% | -6.26% | -636 bps | |
| Return on Equity | 2.14% | -0.18% | -17.92% | -24.37% | -177.63% | -17,977 bps | |
| Net Interest Margin | 3.45% | 3.54% | 3.62% | 3.67% | 6.14% | +270 bps | |
| Efficiency Ratio | 97.69% | 93.86% | 95.39% | 92.53% | 190.05% | +9,236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.03% | -3.43% | -6.80% | -7.32% | -24.97% | -2,700 bps | |
| Loan Growth (YoY) | 17.90% | -37.85% | -40.10% | -43.14% | -43.62% | -6,153 bps | |
| Share Growth (YoY) | 1.93% | -3.75% | -6.51% | -6.69% | -26.44% | -2,838 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 1.68% | 6.07% | 7.25% | 26.36% | +2,537 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 1.04% | 2.92% | 4.75% | 4.87% | +424 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.77% | 4.89% | 4.45% | 4.12% | 3.52% | -125 bps | |
| Net Worth / Assets | 4.77% | 4.89% | 4.45% | 4.12% | 3.52% | -125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.08% | 36.76% | 34.70% | 34.05% | 42.22% | -1,286 bps | |
| Liquid Assets / Assets | 99.32% | 0.00% | 0.00% | 0.00% | 0.00% | -9,932 bps | |