Delaware City, DE · Charter 13280
NCUA · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.01% | -0.12% | -0.22% | -0.32% | -0.49% | 0.08% | -3.90% | -368 bps | |
| Return on Equity | -0.18% | 0.03% | -0.51% | -0.96% | -1.33% | -2.01% | 0.32% | -14.83% | -1,387 bps | |
| Net Interest Margin | 2.17% | 2.14% | 2.14% | 1.92% | 2.03% | 2.05% | 2.14% | -1.89% | -381 bps | |
| Efficiency Ratio | 105.49% | 92.80% | 105.51% | 111.60% | 107.44% | 116.76% | 96.11% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -4.22% | -3.76% | -2.01% | -1.91% | -5.53% | -13.05% | -19.07% | -1,706 bps | |
| Loan Growth (YoY) | -14.59% | -9.29% | -15.34% | -16.45% | -13.27% | -16.07% | -13.18% | 0.61% | +1,706 bps | |
| Share Growth (YoY) | -4.94% | -5.46% | -4.83% | -2.54% | -2.34% | -6.63% | -16.65% | -22.33% | -1,979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.54% | 0.51% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.88% | 1.26% | 1.12% | 1.17% | 1.01% | 1.75% | 1.95% | 1.75% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.35% | 23.60% | 23.31% | 23.22% | 23.73% | 24.49% | 26.33% | 26.31% | +309 bps | |
| Net Worth / Assets | 23.35% | 23.60% | 23.31% | 23.22% | 23.73% | 24.49% | 26.33% | 26.31% | +309 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.07% | 14.62% | 12.93% | 12.42% | 13.39% | 13.14% | 13.46% | 16.09% | +367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |