Springfield, MA · Charter 67746
NCUA · 2 branches
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.08% | 0.18% | 0.17% | 0.27% | +41 bps | |
| Return on Equity | -1.09% | -0.61% | 1.29% | 1.20% | 1.98% | +307 bps | |
| Net Interest Margin | 3.39% | 3.41% | 3.52% | 3.58% | 3.53% | +14 bps | |
| Efficiency Ratio | 99.71% | 100.57% | 95.83% | 95.72% | 94.24% | -547 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.47% | -5.67% | -5.67% | -3.20% | -2.15% | +431 bps | |
| Loan Growth (YoY) | 3.26% | 3.45% | 2.76% | 4.16% | 4.32% | +106 bps | |
| Share Growth (YoY) | -6.89% | -6.26% | -6.42% | -4.57% | -4.05% | +283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.74% | 2.57% | 2.41% | 2.18% | 2.10% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.07% | 13.12% | 13.64% | 13.80% | 13.63% | +55 bps | |
| Net Worth / Assets | 13.07% | 13.12% | 13.64% | 13.80% | 13.63% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |