Bangor, ME · Charter 23310
NCUA · 3 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.33% | 0.48% | 0.50% | 0.47% | 0.21% | 0.12% | 0.25% | -24 bps | |
| Return on Equity | 3.51% | 3.52% | 4.98% | 5.10% | 4.71% | 2.14% | 1.26% | 2.50% | -260 bps | |
| Net Interest Margin | 2.16% | 2.08% | 2.15% | 2.19% | 2.23% | 2.10% | 2.14% | 2.29% | +10 bps | |
| Efficiency Ratio | 89.70% | 89.62% | 85.26% | 84.89% | 85.98% | 90.93% | 91.84% | 89.12% | +424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 7.38% | 4.78% | 7.80% | 1.30% | 2.10% | 3.22% | -1.63% | -944 bps | |
| Loan Growth (YoY) | 6.91% | 2.01% | -4.16% | -8.79% | -6.88% | -8.42% | -5.76% | -10.04% | -125 bps | |
| Share Growth (YoY) | 3.97% | 8.11% | 4.94% | 8.45% | 1.05% | 1.88% | 3.20% | -2.06% | -1,052 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.40% | 0.60% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.29% | 0.31% | 0.30% | 0.31% | 0.35% | 0.20% | 0.25% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.41% | 9.68% | 9.74% | 10.05% | 9.63% | 9.65% | 10.18% | +44 bps | |
| Net Worth / Assets | 9.70% | 9.41% | 9.68% | 9.74% | 10.05% | 9.63% | 9.65% | 10.18% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.79% | 51.07% | 49.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |