Bangor, ME · Charter 23310
NCUA · 3 branches
Q3 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.47% | 0.21% | 0.12% | 0.25% | -24 bps | |
| Return on Equity | 5.10% | 4.71% | 2.14% | 1.26% | 2.50% | -260 bps | |
| Net Interest Margin | 2.19% | 2.23% | 2.10% | 2.14% | 2.29% | +10 bps | |
| Efficiency Ratio | 84.89% | 85.98% | 90.93% | 91.84% | 89.12% | +424 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.80% | 1.30% | 2.10% | 3.22% | -1.63% | -944 bps | |
| Loan Growth (YoY) | -8.79% | -6.88% | -8.42% | -5.76% | -10.04% | -125 bps | |
| Share Growth (YoY) | 8.45% | 1.05% | 1.88% | 3.20% | -2.06% | -1,052 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.38% | 0.46% | 0.11% | 0.57% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.31% | 0.35% | 0.20% | 0.25% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.74% | 10.05% | 9.63% | 9.65% | 10.18% | +44 bps | |
| Net Worth / Assets | 9.74% | 10.05% | 9.63% | 9.65% | 10.18% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.73% | 50.49% | 45.91% | 45.62% | 45.68% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |