Portsmouth, NH · Charter 68219
NCUA · 18 branches
Q2 2024
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.74% | 0.70% | 0.44% | 0.43% | -41 bps | |
| Return on Equity | 8.29% | 7.40% | 6.92% | 4.40% | 4.24% | -405 bps | |
| Net Interest Margin | 3.66% | 3.57% | 3.59% | 3.61% | 3.70% | +4 bps | |
| Efficiency Ratio | 76.20% | 77.32% | 78.87% | 83.64% | 83.86% | +766 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.43% | -3.32% | 2.85% | 5.22% | 5.15% | +1,158 bps | |
| Loan Growth (YoY) | 12.09% | 11.18% | 6.89% | 5.70% | 5.63% | -646 bps | |
| Share Growth (YoY) | -8.51% | -7.89% | -2.47% | 2.88% | 3.72% | +1,224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.19% | 0.29% | 0.21% | 0.29% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.00% | 0.00% | 0.00% | 0.00% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.11% | 10.03% | 10.16% | 10.04% | 10.20% | +9 bps | |
| Net Worth / Assets | 10.11% | 10.03% | 10.16% | 10.04% | 10.20% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.31% | 100.37% | 100.76% | 96.31% | 99.10% | +179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |