Beltsville, MD · Charter 3072
NCUA · 1 branch
Q3 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | -0.18% | -1.13% | -0.80% | -15.79% | -1,560 bps | |
| Return on Equity | -2.63% | -2.40% | -15.60% | -10.76% | n/a | n/a | |
| Net Interest Margin | 2.00% | 1.96% | 1.76% | 1.80% | 1.88% | -12 bps | |
| Efficiency Ratio | 104.95% | 104.30% | 150.14% | 127.71% | 848% | +74,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.38% | -4.66% | -5.26% | -6.52% | -13.58% | -719 bps | |
| Loan Growth (YoY) | 175.71% | -21.58% | -22.44% | -23.31% | -28.51% | -20,422 bps | |
| Share Growth (YoY) | -7.06% | -4.60% | -4.75% | -1.84% | -4.48% | +258 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.42% | 0.99% | 1.14% | 1.43% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.41% | 0.15% | 0.52% | 0.23% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.37% | 7.25% | 7.47% | -3.25% | -1,071 bps | |
| Net Worth / Assets | 7.46% | 7.37% | 7.25% | 7.47% | -3.25% | -1,071 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.86% | 25.66% | 24.70% | 23.16% | 20.86% | -701 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |