New Castle, DE · Charter 21275
NCUA · 1 branch
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | 0.11% | -1.76% | -0.32% | -1.02% | -29 bps | |
| Return on Equity | -6.24% | 0.89% | -16.51% | -3.00% | -9.92% | -368 bps | |
| Net Interest Margin | 3.87% | 3.65% | 3.66% | 3.02% | 3.23% | -63 bps | |
| Efficiency Ratio | 118.20% | 116.41% | 119.76% | 110.25% | 130.59% | +1,238 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.25% | -3.53% | -1.03% | -3.68% | -3.91% | +35 bps | |
| Loan Growth (YoY) | -7.85% | -7.75% | -10.28% | -12.69% | -12.69% | -484 bps | |
| Share Growth (YoY) | -1.28% | -1.01% | 0.85% | -2.23% | -2.41% | -112 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.88% | 5.41% | 4.21% | 3.95% | 2.31% | -357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.41% | 4.15% | 7.32% | 7.83% | 7.90% | +249 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.74% | 12.13% | 10.67% | 10.62% | 10.27% | -147 bps | |
| Net Worth / Assets | 11.74% | 12.13% | 10.67% | 10.62% | 10.27% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.40% | 46.20% | 46.02% | 43.43% | 41.51% | -489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |