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One Twenty

Jamaica Plain, MA · Charter 68019

NCUA · 1 branch

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

One Twenty

Jamaica Plain, MA · Charter 68019

NCUA · 1 branch

Q3 2020

$416KAssets
$0KLoans
$303KShares
$113KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 6.81%, up 690 bps year over year; NIM at 1.71%.
  • Capital: net worth / assets of 27.16%, up 1,335 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

6.81%+690 bps YoY

Net Interest Margin (YTD, annualized)

1.71%+38 bps YoY

Efficiency Ratio (YTD, annualized)

32.98%-7,303 bps YoY

Net Worth / Assets

27.16%+1,335 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets-0.09%0.31%0.16%13.19%6.81%+690 bps
Return on Equity-0.62%1.52%0.78%48.22%25.08%+2,570 bps
Net Interest Margin1.34%1.30%2.31%2.56%1.71%+38 bps
Efficiency Ratio106.01%84.29%303%29.47%32.98%-7,303 bps
Growth
Asset Growth (YoY)-0.83%7.74%5.79%5.32%5.98%+681 bps
Loan Growth (YoY)-69.20%-73.68%-86.59%-100.00%-100.00%-3,080 bps
Share Growth (YoY)4.26%-3.82%-1.11%-4.70%-2.48%-674 bps
Asset Quality
Delinquent Loans / Loans0.93%0.00%0.00%n/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans128.91%28.15%0.00%n/an/an/a
Capital
Risk-Based Capital13.81%20.56%21.00%27.35%27.16%+1,335 bps
Net Worth / Assets13.81%20.56%21.00%27.35%27.16%+1,335 bps
Liquidity & Funding
Loans / Shares8.61%6.05%2.00%0.00%0.00%-861 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps