Marion, MA · Charter 24926
NCUA · 3 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.29% | 0.36% | 0.36% | 0.56% | 0.62% | 0.69% | 0.78% | +42 bps | |
| Return on Equity | 2.01% | 2.50% | 2.46% | 3.95% | 4.25% | 4.71% | 5.26% | +281 bps | |
| Net Interest Margin | 1.65% | 1.60% | 1.59% | 1.55% | 1.76% | 1.91% | 2.05% | +46 bps | |
| Efficiency Ratio | 85.31% | 81.95% | 79.81% | 70.45% | 70.25% | 65.36% | 63.39% | -1,643 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 2.89% | 2.70% | 3.07% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -3.29% | -2.78% | 4.49% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 2.98% | 2.39% | 2.62% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.34% | 1.99% | 2.52% | 0.40% | 2.52% | 2.13% | 3.53% | +100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.63% | 0.80% | 0.66% | 0.64% | 0.84% | 0.91% | +11 bps | |
| Capital | |||||||||
| Risk-Based Capital | 14.54% | 14.49% | 14.60% | 14.23% | 14.58% | 14.64% | 14.87% | +28 bps | |
| Net Worth / Assets | 14.54% | 14.49% | 14.60% | 14.23% | 14.58% | 14.64% | 14.87% | +28 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 24.85% | 24.69% | 23.87% | 23.17% | 23.34% | 23.44% | 24.30% | +43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |