Wilmington, MA · Charter 11765
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Wilmington, MA · Charter 11765
NCUA · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.10% | 0.02% | 0.56% | 0.34% | 0.12% | 0.23% | -0.69% | -125 bps | |
| Return on Equity | 1.42% | 1.12% | 0.21% | 6.31% | 3.84% | 1.43% | 2.53% | -8.01% | -1,432 bps | |
| Net Interest Margin | 2.79% | 2.83% | 2.84% | 2.90% | 2.76% | 2.63% | 2.67% | 2.43% | -46 bps | |
| Efficiency Ratio | 95.46% | 96.57% | 96.32% | 85.13% | 90.50% | 91.37% | 89.80% | 113.16% | +2,802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.71% | 0.29% | 1.80% | -3.34% | -3.78% | 2.20% | 1.18% | 2.25% | +558 bps | |
| Loan Growth (YoY) | -13.91% | -11.39% | -7.93% | -1.31% | -0.01% | -4.02% | -4.30% | -15.91% | -1,460 bps | |
| Share Growth (YoY) | -1.44% | -1.27% | -0.43% | -3.91% | -3.70% | 2.22% | 2.05% | 2.45% | +636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.20% | 0.24% | 0.16% | 0.09% | 0.03% | 0.11% | 0.03% | -13 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 | 0.72% | 0.72% | 0.72% | 0.51% | 0.39% | 0.64% | 0.59% | 0.70% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.50% | 8.70% | 8.76% | 8.83% | 8.97% | 8.65% | 8.99% | 8.65% | -18 bps | |
| Net Worth / Assets | 8.50% | 8.70% | 8.76% | 8.83% | 8.97% | 8.65% | 8.99% | 8.65% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.66% | 45.21% | 46.22% | 46.52% | 45.34% | 42.45% | 43.34% | 38.18% | -834 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |