New Bedford, MA · Charter 67418
NCUA · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.95% | -2.77% | -1.70% | -0.68% | -0.56% | 0.09% | 0.11% | +181 bps | |
| Return on Equity | -6.90% | -9.95% | -32.85% | -19.89% | -7.77% | -6.35% | 0.99% | 1.26% | +2,115 bps | |
| Net Interest Margin | 2.98% | 3.04% | 2.98% | 3.15% | 3.62% | 3.66% | 3.56% | 3.58% | +42 bps | |
| Efficiency Ratio | 103.28% | 110.62% | 237% | 141.87% | 109.53% | 106.45% | 93.32% | 93.34% | -4,853 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | -5.84% | -3.33% | -3.37% | -1.61% | -0.19% | -4.20% | 0.62% | +399 bps | |
| Loan Growth (YoY) | -4.08% | -4.27% | -0.86% | -0.75% | 0.92% | 3.50% | 0.50% | 15.70% | +1,645 bps | |
| Share Growth (YoY) | -5.06% | -5.85% | -3.41% | -2.73% | -1.83% | 0.38% | -4.26% | -0.01% | +272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 0.53% | 0.85% | 1.16% | 2.74% | 1.98% | 3.11% | 2.34% | +119 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 | 0.58% | 0.61% | 0.70% | 0.63% | 0.61% | 0.62% | 0.55% | 0.53% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 9.55% | 8.42% | 8.55% | 8.82% | 8.75% | 8.73% | 8.60% | +5 bps | |
| Net Worth / Assets | 9.86% | 9.55% | 8.42% | 8.55% | 8.82% | 8.75% | 8.73% | 8.60% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.50% | 70.16% | 68.93% | 70.48% | 72.48% | 72.34% | 72.36% | 81.56% | +1,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |