Boston, MA · Charter 61412
NCUA · 1 branch
Q4 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.35% | -0.19% | -0.08% | 0.32% | -19 bps | |
| Return on Equity | 4.30% | 2.73% | -1.53% | -0.69% | 2.81% | -149 bps | |
| Net Interest Margin | 2.35% | 2.50% | 2.69% | 2.46% | 2.43% | +8 bps | |
| Efficiency Ratio | 78.63% | 86.00% | 106.95% | 103.27% | 86.78% | +815 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.99% | -10.37% | 5.07% | 0.19% | 3.93% | +1,492 bps | |
| Loan Growth (YoY) | 0.40% | 1.82% | -2.35% | -6.45% | -30.59% | -3,099 bps | |
| Share Growth (YoY) | -12.79% | -11.85% | 6.57% | -0.32% | 4.69% | +1,748 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.68% | 4.04% | 4.57% | 5.16% | 6.64% | +296 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.94% | 12.80% | 12.29% | 11.76% | 11.52% | -42 bps | |
| Net Worth / Assets | 11.94% | 12.80% | 12.29% | 11.76% | 11.52% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.00% | 39.25% | 33.47% | 28.14% | 26.52% | -1,348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |