PackageTrendsPeer
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Boyds

Boyds, MD · Charter 14876

NCUA · 1 branch

Q2 2019

$1.5MAssets
$306KLoans
$1.3MShares
$230KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.74%, down 103 bps year over year; NIM at 1.19%.
  • Asset quality: problem loans at 0.25% of loans (+25 bps YoY), with net charge-offs at 0.00%.
  • Capital: net worth / assets of 15.51%, up 185 bps from a year ago.
  • Funding: loans stand at 24.49% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.74%-103 bps YoY

Net Interest Margin (YTD, annualized)

1.19%-85 bps YoY

Efficiency Ratio (YTD, annualized)

154.75%+6,875 bps YoY

Net Worth / Assets

15.51%+185 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.30%0.27%0.46%-2.69%-0.74%-103 bps
Return on Equity2.16%1.75%2.83%-17.31%-4.74%-691 bps
Net Interest Margin2.04%2.15%2.54%-0.80%1.19%-85 bps
Efficiency Ratio86.00%88.11%82.48%n/a154.75%+6,875 bps
Growth
Asset Growth (YoY)-5.28%-13.75%-18.74%-13.90%-12.42%-714 bps
Loan Growth (YoY)-7.46%-10.65%-3.15%-1.36%-8.49%-102 bps
Share Growth (YoY)-6.42%-16.10%-21.94%-15.97%-14.30%-789 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.62%0.00%0.25%+25 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loans0.75%0.86%0.94%1.17%1.23%+48 bps
Capital
Risk-Based Capital13.66%15.21%16.27%15.54%15.51%+185 bps
Net Worth / Assets13.66%15.21%16.27%15.54%15.51%+185 bps
Liquidity & Funding
Loans / Shares22.93%25.05%27.72%26.15%24.49%+156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps