Glenn Dale, MD · Charter 24778
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glenn Dale, MD · Charter 24778
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.92% | -2.14% | -1.33% | -0.98% | 5.88% | +297 bps | |
| Return on Equity | 31.99% | -29.47% | -18.76% | -12.83% | 68.00% | +3,601 bps | |
| Net Interest Margin | 1.53% | 1.27% | 1.19% | 1.34% | 1.73% | +21 bps | |
| Efficiency Ratio | 70.50% | 89.02% | 63.18% | 43.57% | 45.19% | -2,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.42% | -7.70% | -1.67% | -3.12% | 0.13% | +856 bps | |
| Loan Growth (YoY) | 82.16% | 9.64% | 57.13% | 45.61% | 33.67% | -4,849 bps | |
| Share Growth (YoY) | -9.33% | -7.06% | -1.21% | -2.37% | 0.64% | +997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.13% | 37.32% | 28.22% | 21.16% | 29.77% | +1,664 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 7.47% | 14.33% | 22.65% | 17.44% | +1,647 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 7.28% | 7.09% | 7.61% | 8.65% | -46 bps | |
| Net Worth / Assets | 9.11% | 7.28% | 7.09% | 7.61% | 8.65% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.72% | 21.44% | 25.20% | 29.48% | 26.20% | +647 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |