Lynn, MA · Charter 67714
NCUA · 2 branches
Q4 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.49% | 0.50% | 0.50% | 0.44% | 0.47% | 0.39% | 0.33% | -17 bps | |
| Return on Equity | 2.66% | 2.91% | 2.94% | 2.91% | 2.73% | 2.84% | 2.42% | 2.21% | -70 bps | |
| Net Interest Margin | 3.19% | 3.08% | 3.10% | 3.16% | 2.85% | 2.88% | 2.78% | 2.57% | -59 bps | |
| Efficiency Ratio | 84.32% | 83.33% | 82.97% | 83.16% | 82.42% | 82.34% | 84.79% | 86.26% | +310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.68% | 0.12% | 2.18% | -1.92% | 10.24% | 5.78% | 7.78% | 17.57% | +1,949 bps | |
| Loan Growth (YoY) | 4.89% | 3.76% | 5.16% | 4.40% | 7.39% | 0.97% | -0.43% | -3.38% | -778 bps | |
| Share Growth (YoY) | -2.49% | -0.42% | 2.67% | 2.39% | 6.50% | 1.41% | 3.58% | 15.70% | +1,331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.63% | 0.80% | 0.60% | 0.49% | 0.63% | 0.31% | 1.29% | +70 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 | 1.12% | 1.11% | 1.10% | 0.89% | 0.89% | 0.94% | 0.94% | 0.95% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.35% | 16.86% | 16.96% | 17.33% | 16.21% | 16.41% | 16.14% | 15.07% | -226 bps | |
| Net Worth / Assets | 17.35% | 16.86% | 16.96% | 17.33% | 16.21% | 16.41% | 16.14% | 15.07% | -226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.55% | 93.39% | 95.21% | 99.71% | 96.35% | 92.98% | 91.52% | 83.27% | -1,644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |