Wareham, MA · Charter 67846
NCUA · 1 branch
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.68% | 0.67% | 0.48% | 0.45% | 0.42% | 0.41% | 0.25% | -23 bps | |
| Return on Equity | 3.67% | 4.05% | 4.01% | 2.90% | 2.82% | 2.71% | 2.68% | 1.70% | -120 bps | |
| Net Interest Margin | 2.46% | 2.47% | 2.46% | 2.39% | 2.19% | 2.08% | 1.99% | 1.70% | -69 bps | |
| Efficiency Ratio | 78.44% | 76.11% | 76.24% | 82.23% | 81.84% | 82.20% | 82.11% | 87.21% | +497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | 0.24% | 3.11% | 3.29% | 7.75% | 10.35% | 12.32% | 14.51% | +1,122 bps | |
| Loan Growth (YoY) | 2.45% | 3.08% | 3.61% | -1.92% | -10.07% | -11.51% | -3.14% | -0.17% | +175 bps | |
| Share Growth (YoY) | -1.52% | -0.33% | 3.02% | 3.53% | 8.68% | 11.89% | 13.93% | 16.84% | +1,331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 1.10% | 0.81% | 0.60% | 0.44% | 0.43% | 0.48% | 0.23% | -38 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 | 1.29% | 1.15% | 0.91% | 0.77% | 0.75% | 0.76% | 0.71% | 0.67% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.58% | 16.67% | 16.67% | 16.48% | 15.88% | 15.50% | 15.18% | 14.67% | -181 bps | |
| Net Worth / Assets | 16.58% | 16.67% | 16.67% | 16.48% | 15.88% | 15.50% | 15.18% | 14.67% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.85% | 32.46% | 31.42% | 29.06% | 26.36% | 25.67% | 26.71% | 24.83% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |