Holyoke, MA · Charter 67845
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.12% | 0.22% | -0.84% | -0.62% | -0.48% | -0.54% | -0.44% | +40 bps | |
| Return on Equity | -0.18% | 0.51% | 0.94% | -3.62% | -2.74% | -2.09% | -2.20% | -1.73% | +189 bps | |
| Net Interest Margin | 1.70% | 1.85% | 1.90% | 0.78% | 1.13% | 1.25% | 1.38% | 1.41% | +62 bps | |
| Efficiency Ratio | 102.58% | 93.28% | 88.27% | 207% | 146.47% | 133.25% | 131.06% | 131.25% | -7,580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 3.77% | 6.14% | 9.05% | 6.97% | 4.76% | -4.66% | -10.08% | -1,913 bps | |
| Loan Growth (YoY) | 11.11% | 15.89% | 0.24% | 1.30% | 4.22% | -10.53% | -12.53% | -4.12% | -542 bps | |
| Share Growth (YoY) | 3.42% | 4.81% | 7.92% | 12.14% | 9.38% | 6.64% | -5.38% | -12.60% | -2,475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.61% | 1.72% | 0.46% | 0.43% | 0.39% | 0.00% | 1.90% | +144 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 | 0.90% | 0.81% | 0.86% | 0.92% | 1.15% | 1.21% | 1.20% | 1.16% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.42% | 24.28% | 23.88% | 23.21% | 22.75% | 22.94% | 24.51% | 25.38% | +217 bps | |
| Net Worth / Assets | 24.42% | 24.28% | 23.88% | 23.21% | 22.75% | 22.94% | 24.51% | 25.38% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.72% | 24.89% | 22.63% | 20.78% | 21.65% | 20.89% | 20.92% | 22.80% | +202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |