Brockton, MA · Charter 68048
NCUA · 8 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Brockton, MA · Charter 68048
NCUA · 8 branches
Q4 2019
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.37% | 0.41% | 0.39% | 0.39% | -19 bps | |
| Return on Equity | 3.89% | 2.51% | 2.87% | 2.64% | 2.60% | -128 bps | |
| Net Interest Margin | 2.80% | 2.78% | 2.75% | 2.79% | 2.83% | +3 bps | |
| Efficiency Ratio | 80.78% | 86.79% | 86.18% | 87.05% | 86.93% | +615 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.82% | 4.22% | 5.80% | 2.76% | 1.26% | -155 bps | |
| Loan Growth (YoY) | 4.63% | 6.55% | 6.50% | 3.05% | 2.16% | -246 bps | |
| Share Growth (YoY) | 3.75% | 5.25% | 5.02% | 1.69% | 1.93% | -182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.63% | 0.57% | 0.59% | 0.60% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.52% | 0.52% | 0.54% | 0.57% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.88% | 14.56% | 14.46% | 14.75% | 15.08% | +21 bps | |
| Net Worth / Assets | 14.88% | 14.56% | 14.46% | 14.75% | 15.08% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.53% | 111.07% | 112.18% | 112.37% | 111.78% | +25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |