Chicopee, MA · Charter 66334
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.17% | 0.14% | 0.07% | 0.07% | 0.10% | -0.63% | -8.67% | -873 bps | |
| Return on Equity | 1.65% | 1.55% | 1.30% | 0.61% | 0.62% | 0.96% | -6.06% | -205% | -20,597 bps | |
| Net Interest Margin | 2.05% | 1.93% | 1.90% | 1.93% | 1.91% | 1.88% | 1.82% | -5.04% | -697 bps | |
| Efficiency Ratio | 91.56% | 91.83% | 92.85% | 95.99% | 96.00% | 93.53% | 129.38% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | -1.41% | -1.72% | 0.10% | 2.42% | 1.94% | -0.03% | 1.46% | +135 bps | |
| Loan Growth (YoY) | 2.49% | -2.13% | -1.36% | -1.05% | -3.88% | 3.70% | -0.59% | -6.01% | -496 bps | |
| Share Growth (YoY) | -2.08% | -1.76% | -2.06% | 0.12% | 2.76% | 2.02% | 0.46% | 8.62% | +850 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.87% | 0.81% | 2.16% | 0.43% | 0.61% | 0.31% | 0.00% | -216 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 | 0.73% | 0.71% | 0.48% | 0.48% | 0.35% | 0.38% | 0.36% | 0.38% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.94% | 10.78% | 10.68% | 10.86% | 10.75% | 10.62% | 10.36% | 4.22% | -664 bps | |
| Net Worth / Assets | 10.94% | 10.78% | 10.68% | 10.86% | 10.75% | 10.62% | 10.36% | 4.22% | -664 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.72% | 21.08% | 21.32% | 22.12% | 21.26% | 21.42% | 21.10% | 19.14% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |