Rockville, MD · Charter 5631
NCUA · 3 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 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.
Rockville, MD · Charter 5631
NCUA · 3 branches
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.38% | -0.51% | -0.50% | 0.04% | -0.27% | -0.29% | -1.99% | -149 bps | |
| Return on Equity | -0.71% | -4.79% | -6.43% | -6.59% | 0.60% | -3.81% | -4.06% | -36.80% | -3,022 bps | |
| Net Interest Margin | 3.49% | 3.42% | 3.45% | 3.35% | 3.18% | 3.18% | 3.23% | 2.76% | -59 bps | |
| Efficiency Ratio | 99.11% | 101.98% | 102.68% | 102.52% | 110.06% | 110.91% | 108.87% | 149.38% | +4,686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.66% | -1.81% | -1.11% | 0.71% | 2.78% | 3.59% | 4.70% | 1.88% | +117 bps | |
| Loan Growth (YoY) | 23.13% | 26.37% | 21.97% | 7.25% | 2.56% | -0.17% | 2.37% | -0.79% | -804 bps | |
| Share Growth (YoY) | -4.60% | -2.15% | -0.87% | 3.31% | 3.03% | 4.01% | 5.42% | 4.30% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.40% | 0.25% | 0.19% | 0.25% | 0.05% | 0.11% | 0.30% | +11 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 | 0.60% | 0.65% | 0.75% | 0.75% | 0.58% | 0.55% | 0.55% | 0.48% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.02% | 7.92% | 7.87% | 7.52% | 7.34% | 7.21% | 7.18% | 5.40% | -213 bps | |
| Net Worth / Assets | 8.02% | 7.92% | 7.87% | 7.52% | 7.34% | 7.21% | 7.18% | 5.40% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.15% | 72.63% | 73.19% | 71.89% | 69.83% | 69.70% | 71.07% | 68.38% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |