Everett, MA · Charter 67559
NCUA · 1 branch
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.51% | 0.77% | 0.04% | 0.30% | -12 bps | |
| Return on Equity | 3.08% | 3.71% | 5.67% | 0.33% | 2.13% | -94 bps | |
| Net Interest Margin | 2.84% | 2.84% | 2.84% | 2.83% | 2.86% | +2 bps | |
| Efficiency Ratio | 87.36% | 85.09% | 76.51% | 97.63% | 91.22% | +386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | 5.21% | 6.71% | 3.44% | 0.59% | -189 bps | |
| Loan Growth (YoY) | 1.11% | 0.90% | -0.56% | -5.77% | -6.61% | -771 bps | |
| Share Growth (YoY) | 3.01% | 4.37% | 8.75% | 4.87% | 1.60% | -141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.84% | 1.11% | 2.76% | 3.08% | +201 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.18% | 0.21% | 0.22% | 0.23% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.57% | 13.71% | 13.53% | 13.46% | 13.91% | +34 bps | |
| Net Worth / Assets | 13.57% | 13.71% | 13.53% | 13.46% | 13.91% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.28% | 75.91% | 72.15% | 69.97% | 69.20% | -608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |