Worcester, MA · Charter 67964
NCUA · 2 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.09% | -0.21% | -0.24% | -0.28% | -0.37% | -0.55% | -2.47% | -222 bps | |
| Return on Equity | 1.38% | 0.97% | -2.42% | -3.05% | -3.69% | -4.94% | -7.39% | -37.31% | -3,426 bps | |
| Net Interest Margin | 3.45% | 3.54% | 3.05% | 2.79% | 2.65% | 2.56% | 2.12% | 2.14% | -65 bps | |
| Efficiency Ratio | 91.73% | 92.21% | 99.80% | 100.03% | 101.89% | 104.95% | 120.71% | 191.67% | +9,163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.40% | 1.24% | 5.11% | 12.63% | 16.89% | 21.42% | 8.93% | -1.46% | -1,409 bps | |
| Loan Growth (YoY) | -3.11% | -7.51% | -11.54% | -21.01% | -19.74% | -23.55% | -23.07% | -13.91% | +710 bps | |
| Share Growth (YoY) | 0.13% | 3.02% | 5.55% | 14.54% | 17.63% | 22.97% | 10.34% | 0.03% | -1,451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.52% | 1.03% | 0.92% | 1.06% | 1.14% | 0.64% | 0.72% | -20 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 | 0.99% | 1.11% | 1.37% | 1.62% | 1.89% | 2.21% | 1.82% | 1.85% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.21% | 9.45% | 8.60% | 8.00% | 7.66% | 7.41% | 7.43% | 6.62% | -138 bps | |
| Net Worth / Assets | 9.21% | 9.45% | 8.60% | 8.00% | 7.66% | 7.41% | 7.43% | 6.62% | -138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.63% | 37.20% | 31.79% | 27.19% | 25.68% | 23.13% | 22.16% | 23.40% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |