Perry Point, MD · Charter 1477
NCUA · 1 branch
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.
Perry Point, MD · Charter 1477
NCUA · 1 branch
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 | -0.01% | 0.17% | 0.04% | -0.62% | -0.25% | -0.46% | -0.38% | 0.65% | +127 bps | |
| Return on Equity | -0.09% | 1.70% | 0.43% | -6.63% | -2.59% | -5.10% | -4.43% | 7.56% | +1,418 bps | |
| Net Interest Margin | 2.66% | 2.77% | 2.71% | 2.71% | 2.77% | 2.71% | 2.63% | 2.62% | -9 bps | |
| Efficiency Ratio | 107.56% | 102.71% | 102.74% | 108.99% | 103.69% | 106.01% | 100.85% | 91.14% | -1,785 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 3.85% | 4.56% | 1.61% | -0.47% | 4.56% | 6.02% | 8.19% | +659 bps | |
| Loan Growth (YoY) | -7.64% | -1.46% | -1.05% | 3.54% | -2.57% | -1.12% | -1.71% | 0.18% | -337 bps | |
| Share Growth (YoY) | 3.83% | 3.74% | 4.99% | 2.00% | -0.47% | 5.53% | 7.20% | 9.21% | +721 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.73% | 0.56% | 0.77% | 0.74% | 0.56% | 0.53% | 0.90% | +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 | 1.54% | 1.40% | 1.35% | 1.31% | 1.25% | 1.33% | 1.60% | 1.43% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.65% | 9.95% | 9.62% | 9.35% | 9.61% | 9.09% | 8.68% | 8.58% | -78 bps | |
| Net Worth / Assets | 9.65% | 9.95% | 9.62% | 9.35% | 9.61% | 9.09% | 8.68% | 8.58% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.15% | 46.66% | 45.19% | 43.69% | 45.18% | 43.73% | 41.43% | 40.08% | -361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |