Baltimore, MD · Charter 5661
NCUA · 1 branch
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.17% | 0.07% | 0.17% | 0.40% | 0.39% | 0.39% | 0.10% | -7 bps | |
| Return on Equity | -3.49% | -1.26% | 0.50% | 1.27% | 2.87% | 2.68% | 2.61% | 0.62% | -65 bps | |
| Net Interest Margin | 2.85% | 2.98% | 2.96% | 2.97% | 3.52% | 3.56% | 3.64% | 3.70% | +73 bps | |
| Efficiency Ratio | 116.37% | 105.64% | 97.85% | 94.69% | 89.00% | 89.50% | 89.66% | 97.49% | +280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | 1.32% | 4.95% | 9.21% | 1.53% | -2.28% | -7.13% | -14.36% | -2,358 bps | |
| Loan Growth (YoY) | 9.84% | 23.27% | 18.06% | 12.51% | 5.08% | -3.94% | -4.88% | -10.39% | -2,290 bps | |
| Share Growth (YoY) | -3.42% | 1.84% | 5.74% | 10.58% | 1.36% | -3.28% | -8.72% | -16.86% | -2,744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 2.28% | 0.20% | 1.14% | 1.18% | 0.45% | -183 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 | 1.45% | 1.32% | 1.28% | 1.27% | 1.41% | 1.32% | 1.29% | 1.45% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.73% | 13.64% | 13.49% | 13.14% | 13.91% | 14.42% | 14.95% | 15.44% | +230 bps | |
| Net Worth / Assets | 13.73% | 13.64% | 13.49% | 13.14% | 13.91% | 14.42% | 14.95% | 15.44% | +230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.82% | 37.16% | 37.51% | 36.56% | 35.06% | 36.91% | 39.09% | 39.41% | +285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |