Lebanon, NH · Charter 24815
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.05% | -0.14% | -0.18% | -0.24% | -0.43% | -0.16% | -2.36% | -218 bps | |
| Return on Equity | -0.01% | -0.41% | -1.17% | -1.47% | -1.88% | -3.62% | -1.36% | -20.06% | -1,859 bps | |
| Net Interest Margin | 2.51% | 2.46% | 2.35% | 2.38% | 2.43% | 2.33% | 2.17% | 2.62% | +24 bps | |
| Efficiency Ratio | 99.55% | 101.25% | 104.70% | 104.75% | 104.96% | 112.73% | 105.59% | 176.55% | +7,179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.52% | 0.80% | 4.45% | -0.34% | 0.70% | 0.35% | -0.46% | -3.80% | -347 bps | |
| Loan Growth (YoY) | -2.06% | 5.22% | 1.82% | 1.16% | -2.09% | -7.20% | -6.27% | -7.06% | -822 bps | |
| Share Growth (YoY) | 4.06% | 0.93% | 5.07% | -0.31% | 1.06% | 0.90% | 0.00% | -3.05% | -275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.25% | 0.14% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.20% | 0.19% | 0.25% | 0.19% | 0.16% | 0.17% | 0.18% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 12.44% | 12.17% | 12.45% | 12.48% | 11.96% | 11.79% | 11.78% | -67 bps | |
| Net Worth / Assets | 12.80% | 12.44% | 12.17% | 12.45% | 12.48% | 11.96% | 11.79% | 11.78% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.78% | 69.50% | 66.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |