North Adams, MA · Charter 68050
NCUA · 2 branches
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.18% | -0.19% | -0.19% | -0.26% | -0.34% | -4.37% | -0.23% | -4 bps | |
| Return on Equity | -1.23% | -1.11% | -1.21% | -1.18% | -1.65% | -2.20% | -35.26% | -1.85% | -67 bps | |
| Net Interest Margin | 2.67% | 2.71% | 2.71% | 2.70% | 2.51% | 2.49% | 2.57% | 2.41% | -29 bps | |
| Efficiency Ratio | 105.65% | 104.96% | 104.64% | 104.72% | 107.35% | 110.43% | n/a | 107.58% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | -3.67% | -2.70% | -3.61% | 0.76% | 0.68% | -4.42% | -2.47% | +114 bps | |
| Loan Growth (YoY) | -4.45% | -1.41% | -2.70% | -1.53% | -2.75% | -5.28% | -8.32% | -9.89% | -836 bps | |
| Share Growth (YoY) | -4.29% | -4.99% | -3.07% | -4.17% | 0.28% | 0.60% | -0.83% | 2.09% | +626 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 0.40% | 1.69% | 1.33% | 0.68% | 2.00% | 3.40% | 1.10% | -23 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 | 1.08% | 1.09% | 0.72% | 0.77% | 0.79% | 0.84% | 0.90% | 0.94% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.87% | 16.06% | 16.04% | 16.13% | 15.51% | 15.62% | 12.39% | 12.21% | -392 bps | |
| Net Worth / Assets | 15.87% | 16.06% | 16.04% | 16.13% | 15.51% | 15.62% | 12.39% | 12.21% | -392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.90% | 45.13% | 44.34% | 44.48% | 42.57% | 42.49% | 40.99% | 39.26% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |