N. Brattleboro, VT · Charter 64365
NCUA · 5 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.25% | 1.17% | 1.20% | 1.24% | 0.75% | 0.65% | 0.41% | -80 bps | |
| Return on Equity | 17.16% | 14.23% | 13.55% | 13.71% | 13.58% | 8.39% | 8.11% | 5.33% | -838 bps | |
| Net Interest Margin | 4.88% | 5.24% | 5.07% | 5.00% | 5.00% | 4.58% | 3.95% | 3.73% | -126 bps | |
| Efficiency Ratio | 74.84% | 77.69% | 77.23% | 76.44% | 76.07% | 81.14% | 80.16% | 82.05% | +561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.54% | 7.24% | 9.23% | 11.32% | 7.56% | 12.27% | 22.34% | 24.90% | +1,358 bps | |
| Loan Growth (YoY) | 7.84% | 8.36% | 9.75% | 10.60% | 7.17% | 5.46% | 1.48% | 0.45% | -1,015 bps | |
| Share Growth (YoY) | 9.81% | 6.43% | 5.27% | 9.09% | 12.30% | 13.38% | 29.75% | 34.03% | +2,494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.20% | 1.29% | 0.99% | 1.40% | 1.30% | 0.83% | 0.89% | -10 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 | 0.78% | 0.73% | 0.76% | 0.78% | 0.82% | 0.90% | 1.00% | 0.89% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 8.79% | 8.67% | 8.78% | 9.12% | 8.93% | 7.96% | 7.60% | -118 bps | |
| Net Worth / Assets | 8.48% | 8.79% | 8.67% | 8.78% | 9.12% | 8.93% | 7.96% | 7.60% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.19% | 99.43% | 103.76% | 103.67% | 97.52% | 92.48% | 81.15% | 77.69% | -2,597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |