Saint Johnsbury, VT · Charter 68614
NCUA · 2 branches
Q1 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.32% | 0.45% | 0.40% | 0.23% | -38 bps | |
| Return on Equity | 6.30% | 3.33% | 4.54% | 4.16% | 2.47% | -384 bps | |
| Net Interest Margin | 4.08% | 4.02% | 4.09% | 4.07% | 3.87% | -21 bps | |
| Efficiency Ratio | 89.26% | 92.31% | 90.87% | 90.15% | 95.49% | +623 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.27% | 0.36% | -1.59% | 3.59% | 7.57% | +629 bps | |
| Loan Growth (YoY) | 4.11% | 0.63% | 5.16% | 4.44% | 1.60% | -251 bps | |
| Share Growth (YoY) | 0.48% | -0.54% | -3.59% | 3.45% | 7.99% | +751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.36% | 0.35% | 0.50% | 0.08% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.34% | 0.32% | 0.37% | 0.37% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.63% | 9.69% | 9.80% | 9.72% | 9.25% | -38 bps | |
| Net Worth / Assets | 9.63% | 9.69% | 9.80% | 9.72% | 9.25% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.08% | 94.79% | 98.64% | 94.75% | 87.57% | -551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |