Cresaptown, MD · Charter 14727
NCUA · 2 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.00% | 0.00% | 0.06% | -0.17% | -0.27% | -0.30% | -0.07% | -14 bps | |
| Return on Equity | 1.93% | 0.06% | 0.01% | 0.89% | -2.20% | -3.64% | -3.97% | -0.96% | -185 bps | |
| Net Interest Margin | 3.30% | 3.36% | 2.99% | 3.16% | 3.34% | 3.41% | 3.24% | 3.37% | +21 bps | |
| Efficiency Ratio | 95.96% | 94.56% | 99.98% | 96.95% | 101.18% | 98.45% | 101.39% | 90.08% | -687 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 0.54% | 4.39% | 4.78% | -1.98% | -2.18% | -6.35% | -4.55% | -933 bps | |
| Loan Growth (YoY) | 7.59% | 1.90% | -3.74% | -1.88% | 3.26% | 3.79% | 6.19% | 2.42% | +430 bps | |
| Share Growth (YoY) | 0.38% | 1.07% | 5.10% | 5.40% | -1.66% | -2.09% | -6.51% | -4.46% | -986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 2.29% | 1.55% | 0.60% | 1.24% | 0.60% | 0.84% | 0.87% | +28 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 | 0.48% | 0.40% | 0.40% | 0.43% | 0.41% | 0.49% | 0.53% | 0.64% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 7.57% | 7.33% | 7.31% | 7.69% | 7.47% | 7.48% | 7.32% | +1 bps | |
| Net Worth / Assets | 7.77% | 7.57% | 7.33% | 7.31% | 7.69% | 7.47% | 7.48% | 7.32% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.51% | 55.81% | 51.96% | 52.83% | 60.40% | 59.16% | 59.02% | 56.64% | +380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |