Bridgewater, MA · Charter 67984
NCUA · 5 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bridgewater, MA · Charter 67984
NCUA · 5 branches
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.09% | 0.13% | 0.11% | 0.10% | 0 bps | |
| Return on Equity | 0.93% | 0.94% | 1.35% | 1.14% | 1.02% | +9 bps | |
| Net Interest Margin | 2.35% | 2.38% | 2.34% | 2.35% | 2.37% | +2 bps | |
| Efficiency Ratio | 94.33% | 95.47% | 93.38% | 94.42% | 94.90% | +57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.09% | 3.90% | 7.34% | 5.76% | 6.15% | +307 bps | |
| Loan Growth (YoY) | -2.98% | 3.10% | 5.31% | 6.29% | 7.77% | +1,075 bps | |
| Share Growth (YoY) | 4.10% | 3.27% | 4.15% | 5.75% | 7.54% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.28% | 0.20% | 0.34% | 0.31% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.39% | 0.38% | 0.40% | 0.41% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.08% | 9.77% | 9.47% | 9.54% | 9.59% | -49 bps | |
| Net Worth / Assets | 10.08% | 9.77% | 9.47% | 9.54% | 9.59% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.67% | 89.30% | 90.03% | 89.05% | 87.86% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |