New Bedford, MA · Charter 24913
NCUA · 1 branch
Q4 2021
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.39% | -0.32% | -0.23% | -0.11% | +34 bps | |
| Return on Equity | -7.08% | -6.27% | -5.43% | -3.92% | -1.81% | +527 bps | |
| Net Interest Margin | 2.84% | 2.73% | 2.67% | 2.79% | 3.01% | +17 bps | |
| Efficiency Ratio | 106.06% | 106.99% | 108.42% | 105.23% | 102.66% | -339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.38% | 2.76% | 6.03% | 5.07% | -1.60% | -898 bps | |
| Loan Growth (YoY) | 2.08% | -0.42% | 2.51% | 5.63% | -0.20% | -228 bps | |
| Share Growth (YoY) | 8.53% | 3.52% | 7.00% | 5.56% | -2.37% | -1,089 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.05% | 0.04% | 0.03% | 0.06% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.58% | 0.58% | 0.58% | 0.58% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.35% | 6.16% | 5.83% | 5.96% | 6.34% | -1 bps | |
| Net Worth / Assets | 6.35% | 6.16% | 5.83% | 5.96% | 6.34% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.58% | 72.22% | 68.45% | 72.86% | 75.22% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |