Cumberland, MD · Charter 13545
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.30% | -0.13% | -0.21% | -0.13% | -0.61% | -0.07% | -0.38% | -6.89% | -676 bps | |
| Return on Equity | -18.74% | -1.99% | -3.23% | -1.80% | -8.47% | -0.98% | -5.56% | -243% | -24,113 bps | |
| Net Interest Margin | 3.74% | 3.51% | 3.54% | 3.89% | 4.03% | 3.71% | 3.70% | 4.18% | +28 bps | |
| Efficiency Ratio | 102.69% | 103.13% | 103.56% | 100.54% | 105.45% | 101.40% | 106.80% | 469% | +36,867 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | -4.78% | -4.34% | -10.33% | -11.10% | -9.10% | -11.90% | -14.60% | -427 bps | |
| Loan Growth (YoY) | -8.10% | -5.32% | -7.12% | -3.84% | -4.65% | -9.73% | -7.26% | -11.20% | -737 bps | |
| Share Growth (YoY) | -0.70% | -3.99% | -4.66% | -11.01% | -11.47% | -9.33% | -12.15% | -12.27% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.36% | 1.12% | 0.71% | 1.31% | 1.45% | 0.33% | 0.37% | -34 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 | 1.27% | 1.29% | 1.43% | 1.56% | 1.89% | 1.86% | 1.34% | 1.27% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.95% | 6.69% | 6.63% | 7.32% | 7.20% | 6.80% | 6.86% | 2.84% | -448 bps | |
| Net Worth / Assets | 6.95% | 6.69% | 6.63% | 7.32% | 7.20% | 6.80% | 6.86% | 2.84% | -448 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.51% | 44.39% | 43.46% | 48.06% | 50.09% | 44.20% | 45.88% | 48.64% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |