Baltimore, MD · Charter 20768
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Baltimore, MD · Charter 20768
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.41% | 3.52% | 4.20% | 3.75% | 4.42% | +102 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 14.01% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -21.25% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 14.18% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.64% | 3.81% | 4.51% | 2.36% | 4.24% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.49% | 4.54% | 4.20% | 5.80% | 6.41% | +292 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.18% | 55.28% | 41.89% | 44.59% | 35.99% | -1,619 bps | |
| Liquid Assets / Assets | 0.00% | 46.11% | 53.11% | 46.60% | 58.84% | +5,884 bps | |