Pittsfield, MA · Charter 67758
NCUA · 2 branches
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.68% | -0.68% | -0.59% | -0.60% | -0.82% | -0.77% | -1.38% | -79 bps | |
| Return on Equity | -1.61% | -5.67% | -6.07% | -5.21% | -5.43% | -7.90% | -7.40% | -12.30% | -709 bps | |
| Net Interest Margin | 2.21% | 1.87% | 1.81% | 1.81% | 1.79% | 1.45% | 1.56% | 1.75% | -6 bps | |
| Efficiency Ratio | 103.08% | 118.26% | 120.13% | 118.71% | 121.29% | 144.72% | 137.99% | 162.58% | +4,388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.70% | 12.24% | 10.93% | 7.44% | 8.53% | 8.09% | 0.69% | -8.92% | -1,636 bps | |
| Loan Growth (YoY) | 3.44% | 0.70% | -1.95% | -10.63% | -9.51% | -13.47% | -16.23% | -18.65% | -802 bps | |
| Share Growth (YoY) | 10.41% | 14.71% | 13.17% | 9.39% | 10.46% | 9.94% | 1.51% | -8.76% | -1,814 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.62% | 0.09% | 0.60% | 0.53% | 0.23% | 0.18% | 0.12% | -48 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 | 2.06% | 2.04% | 2.22% | 2.44% | 2.28% | 2.65% | 2.78% | 3.00% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.74% | 11.95% | 11.18% | 11.32% | 11.13% | 10.43% | 10.47% | 11.22% | -10 bps | |
| Net Worth / Assets | 12.74% | 11.95% | 11.18% | 11.32% | 11.13% | 10.43% | 10.47% | 11.22% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.88% | 37.03% | 33.76% | 32.80% | 33.48% | 29.14% | 27.86% | 29.24% | -356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |