Nashua, NH · Charter 66289
NCUA · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -0.35% | -0.23% | 0.05% | 0.09% | 0.02% | -0.13% | -0.04% | -9 bps | |
| Return on Equity | -4.51% | -3.82% | -2.60% | 0.49% | 0.90% | 0.17% | -1.32% | -0.40% | -89 bps | |
| Net Interest Margin | 2.16% | 2.23% | 2.11% | 2.30% | 2.54% | 2.60% | 2.61% | 2.67% | +37 bps | |
| Efficiency Ratio | 113.88% | 111.30% | 107.91% | 105.77% | 102.02% | 102.90% | 103.53% | 100.69% | -508 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 5.98% | 8.20% | -0.95% | -7.55% | -8.37% | -5.68% | -1.66% | -71 bps | |
| Loan Growth (YoY) | 9.51% | 5.83% | 2.10% | -0.63% | 7.06% | 8.49% | 10.87% | 11.26% | +1,189 bps | |
| Share Growth (YoY) | 4.87% | 6.93% | 9.53% | -0.87% | -8.32% | -9.22% | -6.33% | -1.66% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.05% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.08% | 1.07% | 0.74% | 0.69% | 0.68% | 0.64% | 0.66% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.30% | 9.29% | 9.00% | 9.58% | 10.09% | 10.16% | 9.50% | 9.63% | +5 bps | |
| Net Worth / Assets | 9.30% | 9.29% | 9.00% | 9.58% | 10.09% | 10.16% | 9.50% | 9.63% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.99% | 38.64% | 36.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |