Nashua, NH · Charter 66289
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Nashua, NH · Charter 66289
NCUA · 1 branch
Q2 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.09% | 0.02% | -0.13% | -0.04% | -9 bps | |
| Return on Equity | 0.49% | 0.90% | 0.17% | -1.32% | -0.40% | -89 bps | |
| Net Interest Margin | 2.30% | 2.54% | 2.60% | 2.61% | 2.67% | +37 bps | |
| Efficiency Ratio | 105.77% | 102.02% | 102.90% | 103.53% | 100.69% | -508 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.95% | -7.55% | -8.37% | -5.68% | -1.66% | -71 bps | |
| Loan Growth (YoY) | -0.63% | 7.06% | 8.49% | 10.87% | 11.26% | +1,189 bps | |
| Share Growth (YoY) | -0.87% | -8.32% | -9.22% | -6.33% | -1.66% | -78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.74% | 0.70% | 0.57% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.69% | 0.68% | 0.64% | 0.66% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 10.09% | 10.16% | 9.50% | 9.63% | +5 bps | |
| Net Worth / Assets | 9.58% | 10.09% | 10.16% | 9.50% | 9.63% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.70% | 44.36% | 46.17% | 43.00% | 43.79% | +509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |