Glenn Dale, MD · Charter 24778
NCUA
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | -0.48% | 0.07% | 2.92% | -2.14% | -1.33% | -0.98% | 5.88% | +297 bps | |
| Return on Equity | 4.29% | -6.36% | 0.87% | 31.99% | -29.47% | -18.76% | -12.83% | 68.00% | +3,601 bps | |
| Net Interest Margin | 0.78% | 0.97% | 1.05% | 1.53% | 1.27% | 1.19% | 1.34% | 1.73% | +21 bps | |
| Efficiency Ratio | 89.66% | 99.38% | 95.08% | 70.50% | 89.02% | 63.18% | 43.57% | 45.19% | -2,530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.47% | -9.72% | -6.02% | -8.42% | -7.70% | -1.67% | -3.12% | 0.13% | +856 bps | |
| Loan Growth (YoY) | 661% | 448% | 315% | 82.16% | 9.64% | 57.13% | 45.61% | 33.67% | -4,849 bps | |
| Share Growth (YoY) | -9.66% | -9.82% | -6.60% | -9.33% | -7.06% | -1.21% | -2.37% | 0.64% | +997 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.84% | 0.43% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 1.13% | 0.95% | 0.97% | 7.47% | 14.33% | 22.65% | 17.44% | +1,647 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 7.53% | 8.32% | 9.11% | 7.28% | 7.09% | 7.61% | 8.65% | -46 bps | |
| Net Worth / Assets | 7.81% | 7.53% | 8.32% | 9.11% | 7.28% | 7.09% | 7.61% | 8.65% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.18% | 15.84% | 19.77% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |