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Northampton V.A.F.

Leeds, MA · Charter 515

NCUA · 1 branch

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northampton V.A.F.

Leeds, MA · Charter 515

NCUA · 1 branch

Q3 2019

$6.7MAssets
$3.0MLoans
$5.7MShares
$1.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.01%, down 40 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.94% of loans (-57 bps YoY).
  • Capital: net worth / assets of 15.39%, up 101 bps from a year ago.
  • Funding: loans stand at 52.41% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.01%-40 bps YoY

Net Interest Margin (YTD, annualized)

1.92%+7 bps YoY

Efficiency Ratio (YTD, annualized)

74.04%+665 bps YoY

Net Worth / Assets

15.39%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.41%0.35%0.16%0.15%0.01%-40 bps
Return on Equity2.87%2.40%1.10%0.99%0.07%-280 bps
Net Interest Margin1.85%1.80%1.63%1.79%1.92%+7 bps
Efficiency Ratio67.39%71.45%84.74%73.94%74.04%+665 bps
Growth
Asset Growth (YoY)-3.25%-6.28%-5.21%-4.70%-6.29%-304 bps
Loan Growth (YoY)10.13%2.79%0.01%1.38%2.60%-753 bps
Share Growth (YoY)-5.06%-7.63%-6.34%-5.74%-6.58%-152 bps
Asset Quality
Delinquent Loans / Loans1.51%2.43%1.72%2.88%0.94%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.15%0.16%0.00%0.11%0.00%-15 bps
Capital
Risk-Based Capital14.38%14.64%14.65%14.90%15.39%+101 bps
Net Worth / Assets14.38%14.64%14.65%14.90%15.39%+101 bps
Liquidity & Funding
Loans / Shares47.72%46.46%47.51%49.69%52.41%+469 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps