PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C.A.W.A.

Severna Park, MD · Charter 21975

Q2 2015

$2.4MAssets
$844KLoans
$2.3MShares
$174KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.53%, down 245 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (-732 bps YoY).
  • Capital: net worth / assets of 7.12%, down 104 bps from a year ago.
  • Funding: loans stand at 37.26% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.53%-245 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-60 bps YoY

Efficiency Ratio (YTD, annualized)

148.15%+6,852 bps YoY

Net Worth / Assets

7.12%-104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.92%0.66%0.02%-0.06%-1.53%-245 bps
Return on Equity11.27%8.11%0.26%-0.73%-21.46%-3,273 bps
Net Interest Margin3.15%3.07%3.03%2.69%2.54%-60 bps
Efficiency Ratio79.63%75.43%84.41%107.86%148.15%+6,852 bps
Growth
Asset Growth (YoY)-10.21%-6.15%-3.42%-6.17%-2.09%+812 bps
Loan Growth (YoY)-5.83%-9.33%-15.71%-13.09%-5.16%+67 bps
Share Growth (YoY)-10.43%-6.84%-3.66%-6.63%-0.96%+946 bps
Asset Quality
Delinquent Loans / Loans7.32%0.78%0.06%0.00%0.00%-732 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.51%1.35%1.90%1.86%1.71%+20 bps
Capital
Risk-Based Capital8.16%8.11%7.89%8.01%7.12%-104 bps
Net Worth / Assets8.16%8.11%7.89%8.01%7.12%-104 bps
Liquidity & Funding
Loans / Shares38.90%35.57%34.12%34.01%37.26%-165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps