Springfield, VT · Charter 64478
NCUA · 2 branches
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.73% | -0.63% | -0.26% | 0.00% | 0.11% | -0.40% | -1.28% | -102 bps | |
| Return on Equity | -3.72% | -6.25% | -5.48% | -2.25% | 0.01% | 0.94% | -3.36% | -11.42% | -917 bps | |
| Net Interest Margin | 2.20% | 2.20% | 2.21% | 2.19% | 2.25% | 2.30% | 2.38% | 2.41% | +22 bps | |
| Efficiency Ratio | 115.72% | 118.28% | 116.73% | 102.62% | 96.63% | 93.77% | 106.07% | 128.04% | +2,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.95% | 18.84% | 7.12% | 2.89% | -0.59% | -2.29% | -6.85% | -3.58% | -647 bps | |
| Loan Growth (YoY) | 5.29% | 7.58% | 4.61% | 4.44% | -1.20% | 1.58% | 4.44% | 3.46% | -98 bps | |
| Share Growth (YoY) | 16.37% | 22.93% | 8.97% | 3.96% | -0.20% | -2.59% | -7.37% | -3.29% | -725 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.21% | 0.39% | 0.13% | 0.12% | 0.31% | 1.78% | 1.78% | +165 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 | 0.16% | 0.23% | 0.23% | 0.15% | 0.16% | 0.16% | 0.21% | 0.40% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.75% | 11.50% | 11.44% | 11.70% | 12.02% | 11.94% | 11.23% | -22 bps | |
| Net Worth / Assets | 12.04% | 11.75% | 11.50% | 11.44% | 11.70% | 12.02% | 11.94% | 11.23% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.20% | 53.19% | 53.10% | 52.69% | 51.67% | 55.47% | 59.87% | 56.37% | +368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |