Lutherville, MD · Charter 23484
Q1 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -3.32% | -3.27% | -3.60% | -0.61% | +62 bps | |
| Return on Equity | -22.44% | -75.06% | -89.55% | -137.12% | -24.04% | -160 bps | |
| Net Interest Margin | 4.83% | 5.21% | 5.08% | 5.10% | 4.71% | -12 bps | |
| Efficiency Ratio | 77.41% | 64.36% | 63.65% | 60.90% | 58.14% | -1,927 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.40% | 3.77% | 5.02% | -11.06% | -9.27% | -2,467 bps | |
| Loan Growth (YoY) | 74.75% | 31.34% | 5.66% | -4.32% | -17.65% | -9,240 bps | |
| Share Growth (YoY) | 16.11% | 5.78% | 8.84% | -7.28% | -6.33% | -2,243 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.66% | 4.50% | 8.50% | 11.06% | 13.41% | +975 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 1.53% | 0.95% | 3.09% | 3.64% | +354 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.50% | 4.42% | 3.65% | 2.62% | 2.54% | -296 bps | |
| Net Worth / Assets | 5.50% | 4.42% | 3.65% | 2.62% | 2.54% | -296 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.88% | 90.42% | 89.35% | 85.37% | 80.77% | -1,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |