Pawtucket, RI · Charter 24714
NCUA · 1 branch
Q1 2023
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 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | 0.20% | 0.10% | 0.10% | -0.01% | -0.80% | -1.00% | -6.26% | -636 bps | |
| Return on Equity | -3.47% | 4.15% | 2.10% | 2.14% | -0.18% | -17.92% | -24.37% | -177.63% | -17,977 bps | |
| Net Interest Margin | 3.20% | 3.30% | 3.36% | 3.45% | 3.54% | 3.62% | 3.67% | 6.14% | +270 bps | |
| Efficiency Ratio | 102.91% | 95.12% | 97.33% | 97.69% | 93.86% | 95.39% | 92.53% | 190.05% | +9,236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.55% | 13.96% | 10.36% | 2.03% | -3.43% | -6.80% | -7.32% | -24.97% | -2,700 bps | |
| Loan Growth (YoY) | 23.04% | 16.11% | 30.96% | 17.90% | -37.85% | -40.10% | -43.14% | -43.62% | -6,153 bps | |
| Share Growth (YoY) | 14.78% | 14.68% | 10.95% | 1.93% | -3.75% | -6.51% | -6.69% | -26.44% | -2,838 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.63% | 1.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.78% | 0.60% | 0.63% | 1.04% | 2.92% | 4.75% | 4.87% | +424 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.55% | 4.75% | 4.75% | 4.77% | 4.89% | 4.45% | 4.12% | 3.52% | -125 bps | |
| Net Worth / Assets | 4.55% | 4.75% | 4.75% | 4.77% | 4.89% | 4.45% | 4.12% | 3.52% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.93% | 54.16% | 55.89% | 55.08% | 36.76% | 34.70% | 34.05% | 42.22% | -1,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.32% | 0.00% | 0.00% | 0.00% | 0.00% | -9,932 bps | |