Montpelier, VT · Charter 64973
NCUA · 3 branches
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.13% | 0.10% | 0.13% | 0.11% | 0.05% | 0.11% | -4.54% | -468 bps | |
| Return on Equity | 1.45% | 0.99% | 0.78% | 1.02% | 0.87% | 0.37% | 0.87% | -43.97% | -4,499 bps | |
| Net Interest Margin | 2.17% | 2.16% | 2.02% | 2.04% | 2.05% | 2.09% | 1.91% | -2.65% | -469 bps | |
| Efficiency Ratio | 95.27% | 96.95% | 96.83% | 95.79% | 95.66% | 95.40% | 96.38% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 4.37% | 3.12% | 2.77% | 4.35% | 3.14% | 3.92% | 3.22% | +45 bps | |
| Loan Growth (YoY) | -4.77% | -7.03% | -2.22% | 3.46% | 1.57% | -0.42% | -5.06% | -8.61% | -1,207 bps | |
| Share Growth (YoY) | 3.42% | 4.87% | 3.25% | 2.42% | 4.53% | 3.50% | 4.72% | 6.88% | +446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.33% | 0.88% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.94% | 0.93% | 0.50% | 0.27% | 0.54% | 0.56% | 0.53% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.50% | 13.47% | 12.73% | 13.03% | 13.01% | 13.11% | 12.30% | 10.34% | -270 bps | |
| Net Worth / Assets | 13.50% | 13.47% | 12.73% | 13.03% | 13.01% | 13.11% | 12.30% | 10.34% | -270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.85% | 37.06% | 35.11% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |