Leeds, MA · Charter 515
NCUA · 1 branch
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.35% | 0.16% | 0.15% | 0.01% | -40 bps | |
| Return on Equity | 2.87% | 2.40% | 1.10% | 0.99% | 0.07% | -280 bps | |
| Net Interest Margin | 1.85% | 1.80% | 1.63% | 1.79% | 1.92% | +7 bps | |
| Efficiency Ratio | 67.39% | 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 / Loans | 1.51% | 2.43% | 1.72% | 2.88% | 0.94% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.16% | 0.00% | 0.11% | 0.00% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 14.64% | 14.65% | 14.90% | 15.39% | +101 bps | |
| Net Worth / Assets | 14.38% | 14.64% | 14.65% | 14.90% | 15.39% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.72% | 46.46% | 47.51% | 49.69% | 52.41% | +469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |