Montpelier, VT · Charter 60717
NCUA · 10 branches
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.42% | 1.28% | 1.21% | 0.97% | 0.83% | 0.80% | 0.83% | -38 bps | |
| Return on Equity | 17.78% | 16.48% | 14.64% | 13.68% | 10.74% | 8.98% | 8.54% | 8.87% | -481 bps | |
| Net Interest Margin | 3.13% | 3.18% | 3.17% | 3.14% | 3.19% | 3.26% | 3.29% | 3.21% | +7 bps | |
| Efficiency Ratio | 71.16% | 69.71% | 70.83% | 72.93% | 80.10% | 80.17% | 79.28% | 78.37% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.18% | 12.79% | 11.58% | 10.49% | 5.87% | 4.05% | 2.90% | 3.52% | -697 bps | |
| Loan Growth (YoY) | 17.06% | 12.18% | 7.56% | 5.54% | 4.57% | 4.38% | 4.98% | 6.27% | +73 bps | |
| Share Growth (YoY) | 25.14% | 13.12% | 11.97% | 10.45% | 6.17% | 4.37% | 1.81% | -3.69% | -1,414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.47% | 0.44% | 0.48% | 0.39% | 0.46% | 0.45% | 0.55% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.59% | 0.58% | 0.51% | 0.43% | 0.42% | 0.44% | 0.38% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.63% | 8.75% | 8.85% | 9.00% | 9.22% | 9.36% | 9.37% | +52 bps | |
| Net Worth / Assets | 8.38% | 8.63% | 8.75% | 8.85% | 9.00% | 9.22% | 9.36% | 9.37% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.25% | 91.64% | 91.20% | 89.41% | 88.90% | 91.64% | 94.04% | 98.65% | +924 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |