Fitchburg, MA · Charter 66479
NCUA · 17 branches
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.92% | 0.90% | 0.88% | 0.75% | 0.37% | 0.39% | 0.34% | -54 bps | |
| Return on Equity | 7.55% | 8.74% | 8.48% | 8.25% | 6.89% | 3.58% | 3.69% | 3.33% | -492 bps | |
| Net Interest Margin | 2.64% | 2.51% | 2.47% | 2.41% | 2.26% | 2.18% | 2.28% | 2.25% | -16 bps | |
| Efficiency Ratio | 73.77% | 73.47% | 73.88% | 74.83% | 73.76% | 78.47% | 78.76% | 77.96% | +313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 5.30% | 2.04% | 4.09% | 3.12% | 6.83% | 5.06% | 6.66% | +256 bps | |
| Loan Growth (YoY) | 9.62% | 6.24% | 0.41% | 2.56% | 0.12% | -0.29% | 0.09% | -2.23% | -479 bps | |
| Share Growth (YoY) | 2.98% | 2.41% | 1.66% | 4.68% | 3.89% | 12.16% | 11.64% | 14.93% | +1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.38% | 0.53% | 0.60% | 1.47% | 1.10% | 0.81% | 0.97% | +37 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 | 0.39% | 0.30% | 0.30% | 0.26% | 0.29% | 0.31% | 0.34% | 0.40% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.26% | 10.52% | 10.67% | 10.69% | 10.83% | 10.45% | 10.66% | 10.37% | -32 bps | |
| Net Worth / Assets | 10.26% | 10.52% | 10.67% | 10.69% | 10.83% | 10.45% | 10.66% | 10.37% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.10% | 113.13% | 112.62% | 111.63% | 108.03% | 100.57% | 100.96% | 94.96% | -1,667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |