Central Falls, RI · Charter 65746
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Central Falls, RI · Charter 65746
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.66% | -1.78% | -1.89% | -2.09% | -4.14% | -248 bps | |
| Return on Equity | -22.51% | -24.98% | -28.38% | -33.86% | -79.03% | -5,652 bps | |
| Net Interest Margin | 3.53% | 3.54% | 3.55% | 3.60% | 3.41% | -11 bps | |
| Efficiency Ratio | 111.67% | 116.87% | 119.52% | 126.97% | 185.98% | +7,431 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.79% | -14.55% | -12.80% | -11.53% | -7.37% | +443 bps | |
| Loan Growth (YoY) | -13.50% | -14.18% | -10.18% | -14.72% | -5.18% | +831 bps | |
| Share Growth (YoY) | -12.04% | -10.49% | -6.82% | -3.06% | -4.35% | +769 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 2.31% | 1.63% | 1.05% | 0.93% | -173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 1.02% | 1.11% | 1.05% | 1.06% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.36% | 7.11% | 6.67% | 6.16% | 5.24% | -212 bps | |
| Net Worth / Assets | 7.36% | 7.11% | 6.67% | 6.16% | 5.24% | -212 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.31% | 79.21% | 80.31% | 75.52% | 75.65% | -66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |