Baltimore, MD · Charter 20924
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -4.98% | -1.73% | -3.68% | -2.03% | -43 bps | |
| Return on Equity | -22.63% | -127.45% | -47.91% | -156.13% | -37.16% | -1,453 bps | |
| Net Interest Margin | 3.55% | 3.58% | 3.36% | 3.23% | 3.04% | -51 bps | |
| Efficiency Ratio | 114.47% | 130.61% | 135.80% | 177.39% | 143.27% | +2,880 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.08% | -18.80% | -23.76% | -21.34% | -17.21% | -13 bps | |
| Loan Growth (YoY) | -3.51% | -1.87% | -9.72% | -23.56% | -34.00% | -3,049 bps | |
| Share Growth (YoY) | -16.44% | -15.63% | -20.98% | -17.76% | -16.32% | +13 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.51% | 4.75% | 5.57% | 4.79% | 5.68% | +218 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 3.77% | 4.18% | 2.79% | 2.16% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.07% | 3.91% | 3.60% | 2.36% | 5.46% | -161 bps | |
| Net Worth / Assets | 7.07% | 3.91% | 3.60% | 2.36% | 5.46% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.66% | 66.75% | 62.12% | 54.47% | 52.58% | -1,408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |