Edgemoor, DE · Charter 2080
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.46% | -0.16% | -0.03% | 0.04% | -2.71% | -125 bps | |
| Return on Equity | -8.16% | -0.86% | -0.15% | 0.20% | -15.23% | -707 bps | |
| Net Interest Margin | 3.65% | 3.87% | 4.08% | 4.17% | 4.39% | +74 bps | |
| Efficiency Ratio | 119.36% | 103.83% | 100.47% | 99.01% | 112.66% | -670 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.85% | -7.99% | -9.01% | -5.92% | -12.67% | -282 bps | |
| Loan Growth (YoY) | -7.00% | -4.00% | -4.64% | -4.53% | -21.32% | -1,432 bps | |
| Share Growth (YoY) | -10.29% | -8.54% | -10.69% | -7.16% | -12.50% | -220 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.16% | 3.49% | 1.11% | 2.78% | 5.68% | +251 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.77% | 0.81% | 0.84% | 2.30% | +154 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.93% | 17.99% | 18.58% | 18.97% | 17.82% | -11 bps | |
| Net Worth / Assets | 17.93% | 17.99% | 18.58% | 18.97% | 17.82% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.56% | 80.44% | 81.14% | 80.55% | 71.53% | -803 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |