Waterville, ME · Charter 18500
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Waterville, ME · Charter 18500
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.47% | 0.59% | 0.62% | 0.69% | +36 bps | |
| Return on Equity | 3.93% | 5.50% | 6.78% | 7.11% | 7.84% | +391 bps | |
| Net Interest Margin | 3.15% | 3.01% | 3.02% | 2.93% | 2.75% | -40 bps | |
| Efficiency Ratio | 87.88% | 87.26% | 83.60% | 82.88% | 82.82% | -506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.69% | 1.54% | 2.27% | 6.32% | 5.00% | +769 bps | |
| Loan Growth (YoY) | -19.17% | -16.00% | -11.11% | -10.96% | -9.23% | +994 bps | |
| Share Growth (YoY) | -3.43% | 1.06% | 1.85% | 5.37% | 4.63% | +806 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.14% | 0.86% | 0.98% | 1.29% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.47% | 1.61% | 1.63% | 1.35% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.53% | 8.49% | 8.75% | 8.73% | 8.83% | +30 bps | |
| Net Worth / Assets | 8.53% | 8.49% | 8.75% | 8.73% | 8.83% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.12% | 66.88% | 67.61% | 64.20% | 60.83% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |