New Bedford, MA · Charter 4847
NCUA · 1 branch
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.02% | -1.54% | -1.61% | -0.44% | -0.48% | +54 bps | |
| Return on Equity | -14.56% | -23.37% | -26.84% | -6.90% | -7.76% | +680 bps | |
| Net Interest Margin | 1.72% | 1.34% | 1.45% | 1.63% | 1.70% | -1 bps | |
| Efficiency Ratio | 146.67% | 177.84% | 171.58% | 108.84% | 112.38% | -3,429 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.33% | 0.31% | -0.38% | 4.26% | 3.40% | +307 bps | |
| Loan Growth (YoY) | -21.28% | -15.64% | -1.89% | -9.07% | -7.26% | +1,402 bps | |
| Share Growth (YoY) | 1.29% | 1.46% | 0.72% | 5.08% | 4.11% | +282 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.24% | 0.67% | 1.07% | 1.70% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.94% | 1.03% | 0.94% | 0.97% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.99% | 6.57% | 6.01% | 6.44% | 6.21% | -78 bps | |
| Net Worth / Assets | 6.99% | 6.57% | 6.01% | 6.44% | 6.21% | -78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.50% | 17.51% | 17.30% | 16.77% | 16.48% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |