Bristol, NH · Charter 66305
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bristol, NH · Charter 66305
NCUA · 1 branch
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 | -0.65% | -3.79% | -2.77% | -2.61% | -2.53% | -38.42% | -26.66% | -31.08% | -2,848 bps | |
| Return on Equity | -2.73% | -17.66% | -12.98% | -10.43% | -10.21% | -748% | -562% | -507% | -49,702 bps | |
| Net Interest Margin | 1.77% | 1.71% | 1.67% | 1.91% | 2.32% | -34.63% | -23.01% | -25.49% | -2,740 bps | |
| Efficiency Ratio | 136.60% | 316% | 261% | 233% | 209% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 0.98% | -2.32% | -8.89% | -12.15% | -13.09% | -14.25% | -32.86% | -2,397 bps | |
| Loan Growth (YoY) | -33.86% | -35.64% | -36.27% | -30.68% | -30.50% | -21.94% | -28.52% | -39.54% | -886 bps | |
| Share Growth (YoY) | -0.27% | 1.33% | -2.60% | -10.61% | -12.22% | 7.42% | 6.32% | -14.01% | -340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 2.41% | 2.71% | 2.74% | 0.13% | 0.45% | 0.41% | 0.00% | -274 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 | 3.01% | 3.41% | 3.72% | 3.93% | 4.33% | 4.37% | 5.20% | 6.50% | +257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.84% | 21.47% | 21.35% | 24.98% | 24.74% | 5.14% | 4.75% | 6.13% | -1,885 bps | |
| Net Worth / Assets | 23.84% | 21.47% | 21.35% | 24.98% | 24.74% | 5.14% | 4.75% | 6.13% | -1,885 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.16% | 43.38% | 39.93% | 46.57% | 40.51% | 31.52% | 26.85% | 32.74% | -1,382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |