Jamaica Plain, MA · Charter 68019
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | -0.50% | -0.19% | -0.09% | 0.31% | 0.16% | 13.19% | 6.81% | +690 bps | |
| Return on Equity | 11.33% | -3.65% | -1.37% | -0.62% | 1.52% | 0.78% | 48.22% | 25.08% | +2,570 bps | |
| Net Interest Margin | 3.87% | 1.25% | 1.54% | 1.34% | 1.30% | 2.31% | 2.56% | 1.71% | +38 bps | |
| Efficiency Ratio | 59.51% | 134.07% | 111.11% | 106.01% | 84.29% | 303% | 29.47% | 32.98% | -7,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | -2.89% | 1.01% | -0.83% | 7.74% | 5.79% | 5.32% | 5.98% | +681 bps | |
| Loan Growth (YoY) | -41.03% | -54.47% | -59.41% | -69.20% | -73.68% | -86.59% | -100.00% | -100.00% | -3,080 bps | |
| Share Growth (YoY) | 5.49% | 2.50% | 6.11% | 4.26% | -3.82% | -1.11% | -4.70% | -2.48% | -674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 0.00% | 0.83% | 0.93% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 42.37% | 74.18% | 98.50% | 128.91% | 28.15% | 0.00% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 13.94% | 13.82% | 13.66% | 13.81% | 20.56% | 21.00% | 27.35% | 27.16% | +1,335 bps | |
| Net Worth / Assets | 13.94% | 13.82% | 13.66% | 13.81% | 20.56% | 21.00% | 27.35% | 27.16% | +1,335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.10% | 14.75% | 10.83% | 8.61% | 6.05% | 2.00% | 0.00% | 0.00% | -861 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |