Montpelier, VT · Charter 64973
NCUA · 3 branches
Q2 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.11% | 0.05% | 0.11% | -4.54% | -468 bps | |
| Return on Equity | 1.02% | 0.87% | 0.37% | 0.87% | -43.97% | -4,499 bps | |
| Net Interest Margin | 2.04% | 2.05% | 2.09% | 1.91% | -2.65% | -469 bps | |
| Efficiency Ratio | 95.79% | 95.66% | 95.40% | 96.38% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | 4.35% | 3.14% | 3.92% | 3.22% | +45 bps | |
| Loan Growth (YoY) | 3.46% | 1.57% | -0.42% | -5.06% | -8.61% | -1,207 bps | |
| Share Growth (YoY) | 2.42% | 4.53% | 3.50% | 4.72% | 6.88% | +446 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.57% | 0.08% | 0.13% | 0.49% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.27% | 0.54% | 0.56% | 0.53% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.03% | 13.01% | 13.11% | 12.30% | 10.34% | -270 bps | |
| Net Worth / Assets | 13.03% | 13.01% | 13.11% | 12.30% | 10.34% | -270 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.04% | 35.81% | 35.66% | 31.83% | 31.67% | -537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |