Newtonville, MA · Charter 67992
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.08% | -1.32% | -1.09% | -1.12% | -7.38% | -630 bps | |
| Return on Equity | -7.05% | -8.74% | -7.24% | -7.56% | -54.87% | -4,781 bps | |
| Net Interest Margin | 2.39% | 2.15% | 2.33% | 2.32% | 2.21% | -18 bps | |
| Efficiency Ratio | 144.71% | 150.11% | 137.48% | 138.24% | 340% | +19,544 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.26% | -7.87% | -1.28% | 1.71% | -5.21% | +104 bps | |
| Loan Growth (YoY) | 24.92% | 4.69% | -15.72% | -19.82% | -21.44% | -4,636 bps | |
| Share Growth (YoY) | -6.49% | -7.99% | -0.35% | 3.66% | -2.67% | +382 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 2.60% | 8.83% | 7.89% | 0.00% | -175 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 1.24% | 1.39% | 1.88% | 0.00% | -60 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.31% | 15.10% | 15.04% | 14.76% | 13.44% | -187 bps | |
| Net Worth / Assets | 15.31% | 15.10% | 15.04% | 14.76% | 13.44% | -187 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.05% | 23.51% | 24.42% | 22.15% | 20.22% | -483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |