Milford, DE · Charter 19170
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.17% | -0.03% | 0.39% | -0.58% | -69 bps | |
| Return on Equity | 1.02% | 1.54% | -0.24% | 3.53% | -5.10% | -612 bps | |
| Net Interest Margin | 3.55% | 3.59% | 3.69% | 3.92% | 3.73% | +17 bps | |
| Efficiency Ratio | 88.36% | 90.09% | 90.68% | 91.34% | 113.17% | +2,480 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.26% | -2.35% | 1.19% | -3.11% | -7.65% | -1,291 bps | |
| Loan Growth (YoY) | -10.66% | -2.05% | -7.36% | -5.97% | -15.82% | -516 bps | |
| Share Growth (YoY) | 5.39% | -2.72% | 1.37% | -3.57% | -8.16% | -1,354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.20% | 1.15% | 0.39% | 0.41% | 0.45% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.78% | 10.98% | 11.09% | 10.92% | 11.29% | +52 bps | |
| Net Worth / Assets | 10.78% | 10.98% | 11.09% | 10.92% | 11.29% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |