Waltham, MA · Charter 7891
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.24% | 0.42% | -1.55% | -1.25% | -1.15% | -0.88% | -2.75% | -6.99% | -574 bps | |
| Return on Equity | -7.79% | 2.63% | -10.54% | -8.38% | -8.04% | -6.38% | -22.30% | -58.04% | -4,966 bps | |
| Net Interest Margin | 2.12% | 2.08% | 1.80% | 1.71% | 1.53% | 0.86% | 1.16% | -3.58% | -529 bps | |
| Efficiency Ratio | 158.43% | 80.02% | 186.32% | 173.02% | 175.08% | 202% | 336% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.87% | -2.16% | -0.22% | -3.82% | 1.49% | 3.13% | -16.63% | -15.96% | -1,214 bps | |
| Loan Growth (YoY) | -15.16% | -19.50% | -30.76% | -44.91% | -42.23% | -53.20% | -34.80% | -24.57% | +2,035 bps | |
| Share Growth (YoY) | -8.06% | -2.87% | -0.31% | -4.30% | 3.38% | 5.63% | -14.32% | -13.18% | -887 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 13.24% | 16.62% | 9.46% | 17.55% | 12.99% | 5.49% | 0.29% | -917 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 | 4.35% | 4.42% | 5.07% | 6.87% | 6.49% | 9.44% | 7.78% | 9.11% | +224 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.88% | 15.81% | 14.73% | 14.88% | 14.33% | 13.77% | 12.34% | 12.04% | -285 bps | |
| Net Worth / Assets | 15.88% | 15.81% | 14.73% | 14.88% | 14.33% | 13.77% | 12.34% | 12.04% | -285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.75% | 54.34% | 46.53% | 35.14% | 36.19% | 24.08% | 35.41% | 30.53% | -461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |