Boston, MA · Charter 67891
NCUA · 1 branch
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -1.97% | -1.47% | -1.37% | -3.48% | -269 bps | |
| Return on Equity | -4.57% | -11.56% | -8.34% | -7.40% | -19.43% | -1,486 bps | |
| Net Interest Margin | 3.81% | 3.70% | 3.97% | 4.24% | 4.54% | +73 bps | |
| Efficiency Ratio | 120.30% | 125.81% | 123.63% | 123.40% | 169.08% | +4,878 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.02% | -13.26% | -12.20% | -16.11% | -19.47% | -745 bps | |
| Loan Growth (YoY) | -7.61% | -5.19% | -10.39% | -19.96% | -23.15% | -1,554 bps | |
| Share Growth (YoY) | -14.33% | -14.68% | -13.30% | -17.83% | -19.79% | -546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.00% | 0.10% | 0.23% | 0.16% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.22% | 17.07% | 17.67% | 18.55% | 17.90% | +68 bps | |
| Net Worth / Assets | 17.22% | 17.07% | 17.67% | 18.55% | 17.90% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.26% | 71.46% | 71.20% | 68.66% | 68.28% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |