Newtonville, MA · Charter 67992
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -1.14% | -0.91% | -1.08% | -1.32% | -1.09% | -1.12% | -7.38% | -630 bps | |
| Return on Equity | -5.95% | -7.29% | -5.64% | -7.05% | -8.74% | -7.24% | -7.56% | -54.87% | -4,781 bps | |
| Net Interest Margin | 2.29% | 2.53% | 2.75% | 2.39% | 2.15% | 2.33% | 2.32% | 2.21% | -18 bps | |
| Efficiency Ratio | 139.65% | 136.72% | 129.91% | 144.71% | 150.11% | 137.48% | 138.24% | 340% | +19,544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.69% | -9.26% | -9.15% | -6.26% | -7.87% | -1.28% | 1.71% | -5.21% | +104 bps | |
| Loan Growth (YoY) | -14.39% | 19.29% | 19.18% | 24.92% | 4.69% | -15.72% | -19.82% | -21.44% | -4,636 bps | |
| Share Growth (YoY) | -7.06% | -9.89% | -9.96% | -6.49% | -7.99% | -0.35% | 3.66% | -2.67% | +382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.56% | 2.54% | 1.92% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.83% | 0.53% | 0.60% | 1.24% | 1.39% | 1.88% | 0.00% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.90% | 15.68% | 16.14% | 15.31% | 15.10% | 15.04% | 14.76% | 13.44% | -187 bps | |
| Net Worth / Assets | 14.90% | 15.68% | 16.14% | 15.31% | 15.10% | 15.04% | 14.76% | 13.44% | -187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.66% | 28.87% | 28.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |