East Longmeadow, MA · Charter 24912
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.59% | 0.52% | 0.54% | 0.58% | 0.60% | 0.33% | 0.61% | +6 bps | |
| Return on Equity | 4.53% | 4.49% | 3.98% | 4.11% | 4.40% | 4.55% | 2.57% | 4.52% | +42 bps | |
| Net Interest Margin | 3.34% | 3.24% | 3.16% | 3.09% | 3.04% | 3.03% | 3.00% | 3.04% | -5 bps | |
| Efficiency Ratio | 85.17% | 82.53% | 83.92% | 86.38% | 85.54% | 85.40% | 91.74% | 91.72% | +533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.30% | 9.97% | 13.36% | 10.28% | 5.61% | 4.22% | 3.88% | 1.26% | -902 bps | |
| Loan Growth (YoY) | -3.55% | -6.48% | -10.73% | -12.25% | -13.04% | -11.40% | -13.90% | -13.55% | -130 bps | |
| Share Growth (YoY) | 6.80% | 10.61% | 14.39% | 11.93% | 6.20% | 4.98% | 5.16% | 4.09% | -784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.00% | 1.70% | 1.30% | 1.84% | 0.64% | 0.64% | 1.34% | +4 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 | 1.81% | 1.92% | 2.04% | 2.06% | 2.16% | 2.00% | 2.12% | 1.88% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.38% | 13.24% | 13.13% | 13.22% | 13.18% | 13.24% | 12.97% | 13.42% | +19 bps | |
| Net Worth / Assets | 13.38% | 13.24% | 13.13% | 13.22% | 13.18% | 13.24% | 12.97% | 13.42% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.15% | 61.31% | 58.46% | 56.43% | 53.34% | 51.75% | 47.86% | 46.87% | -956 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |