Portsmouth, NH · Charter 68375
NCUA · 53 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Portsmouth, NH · Charter 68375
NCUA · 53 branches
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 | 1.00% | 1.01% | 1.00% | 1.05% | 0.99% | 0.59% | 0.53% | 0.64% | -41 bps | |
| Return on Equity | 8.16% | 8.42% | 8.25% | 8.51% | 8.10% | 4.94% | 4.68% | 5.75% | -277 bps | |
| Net Interest Margin | 2.43% | 2.42% | 2.44% | 2.46% | 2.43% | 2.44% | 2.28% | 2.25% | -21 bps | |
| Efficiency Ratio | 72.05% | 71.33% | 72.26% | 71.62% | 72.03% | 76.85% | 78.13% | 77.20% | +558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.83% | 8.90% | 9.53% | 8.81% | 8.94% | 8.29% | 15.07% | 17.75% | +894 bps | |
| Loan Growth (YoY) | 8.94% | 8.31% | 4.67% | 3.15% | 5.73% | 6.40% | 9.37% | 10.76% | +762 bps | |
| Share Growth (YoY) | 8.29% | 9.08% | 10.09% | 9.65% | 9.94% | 9.41% | 17.19% | 20.26% | +1,061 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.18% | 0.22% | 0.23% | 0.27% | 0.25% | 0.19% | 0.16% | -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 | 0.33% | 0.33% | 0.32% | 0.31% | 0.31% | 0.34% | 0.37% | 0.36% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.28% | 11.98% | 12.13% | 12.28% | 12.27% | 11.93% | 11.26% | 11.10% | -118 bps | |
| Net Worth / Assets | 12.28% | 11.98% | 12.13% | 12.28% | 12.27% | 11.93% | 11.26% | 11.10% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.21% | 100.01% | 100.51% | 100.74% | 101.19% | 97.25% | 93.81% | 92.78% | -796 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |