Gloucester, MA · Charter 67905
NCUA · 1 branch
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 | 0.71% | 0.00% | 0.86% | 0.47% | 0.18% | -0.49% | -0.93% | -0.92% | -139 bps | |
| Return on Equity | 1.92% | 0.00% | 2.49% | 1.42% | 0.55% | -1.63% | -3.22% | -2.93% | -435 bps | |
| Net Interest Margin | 5.60% | 5.78% | 5.23% | 4.72% | 4.59% | 3.82% | 3.61% | 3.92% | -80 bps | |
| Efficiency Ratio | 86.37% | 101.64% | 86.00% | 92.03% | 97.49% | 110.66% | 119.17% | 119.59% | +2,756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.23% | 4.91% | 10.78% | 14.46% | 14.99% | 19.72% | 16.23% | 2.19% | -1,227 bps | |
| Loan Growth (YoY) | 6.68% | -1.21% | -12.74% | -23.94% | -17.50% | -7.93% | 27.87% | 29.48% | +5,342 bps | |
| Share Growth (YoY) | 13.41% | 4.57% | 15.38% | 21.64% | 23.43% | 33.61% | 26.11% | 4.61% | -1,702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.95% | 0.96% | 0.96% | 0.99% | 0.99% | 0.99% | 0.99% | 1.00% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.07% | 36.39% | 34.48% | 32.90% | 32.41% | 30.44% | 29.00% | 31.34% | -156 bps | |
| Net Worth / Assets | 37.07% | 36.39% | 34.48% | 32.90% | 32.41% | 30.44% | 29.00% | 31.34% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.48% | 82.31% | 66.72% | 59.29% | 58.47% | 56.72% | 67.65% | 73.38% | +1,409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |