Lynn, MA · Charter 67908
NCUA · 1 branch
Q2 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | 0.00% | 0.07% | -0.27% | -0.43% | -0.36% | -3.85% | -2.66% | -239 bps | |
| Return on Equity | -0.47% | 0.00% | 0.35% | -1.29% | -2.00% | -1.69% | -19.93% | -13.69% | -1,240 bps | |
| Net Interest Margin | 4.06% | 4.03% | 3.03% | 2.97% | 3.12% | 3.07% | 2.30% | 2.65% | -32 bps | |
| Efficiency Ratio | 92.44% | 95.68% | 104.25% | 115.17% | 119.14% | 115.76% | 256% | 198.07% | +8,289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.94% | 8.88% | 16.64% | 10.23% | 2.55% | 2.79% | 2.57% | -1.93% | -1,216 bps | |
| Loan Growth (YoY) | -14.30% | -16.10% | -19.91% | -15.96% | -17.77% | -14.36% | -8.35% | 8.95% | +2,491 bps | |
| Share Growth (YoY) | 11.08% | 12.14% | 21.28% | 13.10% | 3.50% | 3.98% | 5.00% | -0.46% | -1,356 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 | 1.55% | 1.36% | 1.42% | 1.46% | 1.50% | 1.51% | 1.85% | 1.52% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.17% | 22.33% | 21.40% | 20.79% | 21.43% | 21.18% | 19.31% | 19.41% | -137 bps | |
| Net Worth / Assets | 22.17% | 22.33% | 21.40% | 20.79% | 21.43% | 21.18% | 19.31% | 19.41% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.06% | 41.95% | 36.35% | 34.03% | 34.21% | 34.55% | 31.73% | 37.25% | +321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |