Biddeford, ME · Charter 5890
NCUA · 5 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Biddeford, ME · Charter 5890
NCUA · 5 branches
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 | 0.09% | 0.05% | 0.10% | 0.36% | 0.26% | +17 bps | |
| Return on Equity | 1.31% | 0.73% | 1.35% | 5.11% | 3.64% | +233 bps | |
| Net Interest Margin | 3.20% | 3.17% | 3.19% | 2.98% | 3.03% | -17 bps | |
| Efficiency Ratio | 87.86% | 87.84% | 86.06% | 86.84% | 86.56% | -131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.63% | 6.84% | 3.25% | 5.04% | 0.47% | -817 bps | |
| Loan Growth (YoY) | 5.15% | 2.44% | -2.62% | -6.42% | -8.08% | -1,323 bps | |
| Share Growth (YoY) | 9.34% | 7.34% | 3.59% | 5.48% | 1.93% | -740 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 1.16% | 1.17% | 0.70% | 0.94% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.91% | 0.88% | 0.83% | 0.91% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.04% | 6.96% | 7.11% | 7.00% | 7.19% | +15 bps | |
| Net Worth / Assets | 7.04% | 6.96% | 7.11% | 7.00% | 7.19% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.19% | 83.07% | 82.21% | 77.54% | 77.73% | -846 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |