Baltimore, MD · Charter 1812
Q4 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.94% | -1.92% | -1.70% | -4.24% | -3.80% | -286 bps | |
| Return on Equity | -5.46% | -11.39% | -10.63% | -28.80% | -25.52% | -2,006 bps | |
| Net Interest Margin | 2.50% | 2.15% | 2.06% | 2.12% | 2.16% | -34 bps | |
| Efficiency Ratio | 125.36% | 131.11% | 134.50% | 140.44% | 152.59% | +2,723 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.24% | -3.65% | -0.03% | -4.18% | -7.52% | -428 bps | |
| Loan Growth (YoY) | -3.12% | -6.08% | -18.42% | -18.06% | -22.77% | -1,965 bps | |
| Share Growth (YoY) | -2.95% | -3.23% | 1.42% | -0.88% | -4.81% | -186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.53% | 7.92% | 10.29% | 2.12% | 0.52% | -501 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.50% | 1.40% | 6.16% | 4.85% | +333 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.30% | 16.84% | 16.00% | 14.71% | 14.91% | -240 bps | |
| Net Worth / Assets | 17.30% | 16.84% | 16.00% | 14.71% | 14.91% | -240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.24% | 25.40% | 23.41% | 22.55% | 22.91% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |