New Castle, DE · Charter 21275
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | -1.83% | 0.65% | -0.73% | 0.11% | -1.76% | -0.32% | -1.02% | -29 bps | |
| Return on Equity | 8.28% | -14.87% | 5.37% | -6.24% | 0.89% | -16.51% | -3.00% | -9.92% | -368 bps | |
| Net Interest Margin | 3.68% | 4.00% | 4.00% | 3.87% | 3.65% | 3.66% | 3.02% | 3.23% | -63 bps | |
| Efficiency Ratio | 96.43% | 99.40% | 84.38% | 118.20% | 116.41% | 119.76% | 110.25% | 130.59% | +1,238 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | 2.30% | -0.77% | -4.25% | -3.53% | -1.03% | -3.68% | -3.91% | +35 bps | |
| Loan Growth (YoY) | -7.49% | -4.75% | -7.22% | -7.85% | -7.75% | -10.28% | -12.69% | -12.69% | -484 bps | |
| Share Growth (YoY) | 2.70% | 4.74% | 1.92% | -1.28% | -1.01% | 0.85% | -2.23% | -2.41% | -112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.66% | 0.53% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 4.84% | 5.05% | 5.41% | 4.15% | 7.32% | 7.83% | 7.90% | +249 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.24% | 12.31% | 12.17% | 11.74% | 12.13% | 10.67% | 10.62% | 10.27% | -147 bps | |
| Net Worth / Assets | 14.24% | 12.31% | 12.17% | 11.74% | 12.13% | 10.67% | 10.62% | 10.27% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.58% | 51.72% | 48.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |