Springfield, MA · Charter 67746
NCUA · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Springfield, MA · Charter 67746
NCUA · 2 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.13% | -0.20% | -0.14% | -0.08% | 0.18% | 0.17% | 0.27% | +41 bps | |
| Return on Equity | -1.87% | -0.99% | -1.53% | -1.09% | -0.61% | 1.29% | 1.20% | 1.98% | +307 bps | |
| Net Interest Margin | 3.03% | 3.15% | 3.27% | 3.39% | 3.41% | 3.52% | 3.58% | 3.53% | +14 bps | |
| Efficiency Ratio | 100.76% | 99.21% | 100.95% | 99.71% | 100.57% | 95.83% | 95.72% | 94.24% | -547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.22% | -4.84% | -5.58% | -6.47% | -5.67% | -5.67% | -3.20% | -2.15% | +431 bps | |
| Loan Growth (YoY) | -0.31% | 1.59% | 2.44% | 3.26% | 3.45% | 2.76% | 4.16% | 4.32% | +106 bps | |
| Share Growth (YoY) | -2.40% | -4.49% | -6.28% | -6.89% | -6.26% | -6.42% | -4.57% | -4.05% | +283 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.83% | 2.23% | 2.25% | 1.64% | 1.62% | 1.30% | 1.18% | -107 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 | 2.97% | 2.86% | 2.86% | 2.74% | 2.57% | 2.41% | 2.18% | 2.10% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.84% | 13.19% | 13.07% | 13.12% | 13.64% | 13.80% | 13.63% | +55 bps | |
| Net Worth / Assets | 12.48% | 12.84% | 13.19% | 13.07% | 13.12% | 13.64% | 13.80% | 13.63% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.47% | 61.47% | 64.19% | 63.73% | 64.53% | 67.50% | 70.06% | 69.29% | +556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |