Brockton, MA · Charter 68048
NCUA · 8 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.48% | 0.60% | 0.58% | 0.37% | 0.41% | 0.39% | 0.39% | -19 bps | |
| Return on Equity | 2.89% | 3.32% | 4.06% | 3.89% | 2.51% | 2.87% | 2.64% | 2.60% | -128 bps | |
| Net Interest Margin | 2.77% | 2.79% | 2.78% | 2.80% | 2.78% | 2.75% | 2.79% | 2.83% | +3 bps | |
| Efficiency Ratio | 84.83% | 83.17% | 80.14% | 80.78% | 86.79% | 86.18% | 87.05% | 86.93% | +615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | -1.32% | 1.36% | 2.82% | 4.22% | 5.80% | 2.76% | 1.26% | -155 bps | |
| Loan Growth (YoY) | -1.23% | -2.21% | 1.60% | 4.63% | 6.55% | 6.50% | 3.05% | 2.16% | -246 bps | |
| Share Growth (YoY) | -1.68% | -1.39% | 1.22% | 3.75% | 5.25% | 5.02% | 1.69% | 1.93% | -182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.67% | 0.74% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.50% | 0.50% | 0.52% | 0.52% | 0.52% | 0.54% | 0.57% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 14.49% | 14.73% | 14.88% | 14.56% | 14.46% | 14.75% | 15.08% | +21 bps | |
| Net Worth / Assets | 14.60% | 14.49% | 14.73% | 14.88% | 14.56% | 14.46% | 14.75% | 15.08% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.71% | 110.61% | 110.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |