Lebanon, NH · Charter 24815
NCUA · 1 branch
Q2 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.24% | -0.43% | -0.16% | -2.36% | -218 bps | |
| Return on Equity | -1.47% | -1.88% | -3.62% | -1.36% | -20.06% | -1,859 bps | |
| Net Interest Margin | 2.38% | 2.43% | 2.33% | 2.17% | 2.62% | +24 bps | |
| Efficiency Ratio | 104.75% | 104.96% | 112.73% | 105.59% | 176.55% | +7,179 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.34% | 0.70% | 0.35% | -0.46% | -3.80% | -347 bps | |
| Loan Growth (YoY) | 1.16% | -2.09% | -7.20% | -6.27% | -7.06% | -822 bps | |
| Share Growth (YoY) | -0.31% | 1.06% | 0.90% | 0.00% | -3.05% | -275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.09% | 0.00% | 0.82% | 0.66% | +66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.19% | 0.16% | 0.17% | 0.18% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.45% | 12.48% | 11.96% | 11.79% | 11.78% | -67 bps | |
| Net Worth / Assets | 12.45% | 12.48% | 11.96% | 11.79% | 11.78% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.53% | 70.51% | 63.93% | 62.18% | 65.69% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |