Milford, DE · Charter 19170
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Milford, DE · Charter 19170
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.58% | 0.14% | 0.11% | 0.17% | -0.03% | 0.39% | -0.58% | -69 bps | |
| Return on Equity | 6.89% | 5.15% | 1.31% | 1.02% | 1.54% | -0.24% | 3.53% | -5.10% | -612 bps | |
| Net Interest Margin | 3.64% | 3.82% | 3.78% | 3.55% | 3.59% | 3.69% | 3.92% | 3.73% | +17 bps | |
| Efficiency Ratio | 79.57% | 81.59% | 85.84% | 88.36% | 90.09% | 90.68% | 91.34% | 113.17% | +2,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.71% | 3.97% | 8.10% | 5.26% | -2.35% | 1.19% | -3.11% | -7.65% | -1,291 bps | |
| Loan Growth (YoY) | -2.57% | 6.09% | -1.96% | -10.66% | -2.05% | -7.36% | -5.97% | -15.82% | -516 bps | |
| Share Growth (YoY) | 15.06% | 3.81% | 8.56% | 5.39% | -2.72% | 1.37% | -3.57% | -8.16% | -1,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.39% | 0.79% | 0.09% | 0.53% | 0.09% | 0.51% | 0.81% | +72 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 | 1.15% | 1.03% | 1.11% | 1.20% | 1.15% | 0.39% | 0.41% | 0.45% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.60% | 11.24% | 10.55% | 10.78% | 10.98% | 11.09% | 10.92% | 11.29% | +52 bps | |
| Net Worth / Assets | 10.60% | 11.24% | 10.55% | 10.78% | 10.98% | 11.09% | 10.92% | 11.29% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.62% | 47.26% | 40.90% | 38.84% | 41.91% | 43.19% | 39.88% | 35.60% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |