Baltimore, MD · Charter 10545
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.87% | -0.79% | -0.70% | -0.70% | -1.51% | -1.02% | -3.37% | -267 bps | |
| Return on Equity | -7.00% | -8.56% | -8.24% | -7.22% | -7.16% | -16.65% | -11.13% | -38.85% | -3,162 bps | |
| Net Interest Margin | 2.36% | 1.91% | 1.91% | 2.04% | 2.10% | 2.10% | 2.25% | 2.39% | +35 bps | |
| Efficiency Ratio | 123.53% | 144.25% | 140.20% | 133.18% | 132.38% | 133.06% | 126.57% | 219% | +8,591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.37% | -0.24% | 3.57% | 5.65% | 4.98% | 2.59% | -4.03% | -15.05% | -2,070 bps | |
| Loan Growth (YoY) | -19.76% | -9.16% | 4.24% | -7.45% | -10.90% | -19.93% | -15.50% | -9.83% | -238 bps | |
| Share Growth (YoY) | -4.06% | 0.64% | 4.70% | 7.09% | 6.43% | 3.83% | -3.66% | -14.12% | -2,122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.63% | 0.08% | 0.19% | 0.00% | 0 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 | 1.24% | 1.20% | 1.24% | 1.25% | 1.39% | 1.68% | 1.72% | 1.86% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.03% | 10.14% | 9.55% | 9.67% | 9.81% | 9.04% | 9.16% | 8.67% | -100 bps | |
| Net Worth / Assets | 11.03% | 10.14% | 9.55% | 9.67% | 9.81% | 9.04% | 9.16% | 8.67% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.89% | 11.39% | 10.55% | 10.70% | 9.95% | 8.78% | 9.26% | 11.24% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |