Waltham, MA · Charter 67838
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 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.
Waltham, MA · Charter 67838
NCUA · 1 branch
Q4 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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.21% | 0.42% | 0.48% | 0.57% | +44 bps | |
| Return on Equity | 0.71% | 1.14% | 2.24% | 2.52% | 2.98% | +227 bps | |
| Net Interest Margin | 2.53% | 2.66% | 2.78% | 2.88% | 2.85% | +32 bps | |
| Efficiency Ratio | 89.64% | 87.90% | 83.21% | 82.19% | 79.38% | -1,026 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.97% | 1.30% | -0.67% | -3.59% | -1.94% | -291 bps | |
| Loan Growth (YoY) | 5.92% | 11.67% | 6.52% | 5.13% | -4.85% | -1,077 bps | |
| Share Growth (YoY) | 1.10% | 1.12% | -1.45% | -5.03% | -3.07% | -416 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.43% | 0.45% | 0.42% | 0.44% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.56% | 0.57% | 0.56% | 0.57% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.15% | 18.06% | 18.60% | 19.08% | 19.08% | +93 bps | |
| Net Worth / Assets | 18.15% | 18.06% | 18.60% | 19.08% | 19.08% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.17% | 27.30% | 27.15% | 28.10% | 26.67% | -50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |