Winslow, ME · Charter 9009
NCUA · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Winslow, ME · Charter 9009
NCUA · 3 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.30% | -0.36% | -0.34% | -0.20% | -0.09% | 0.10% | -0.10% | +23 bps | |
| Return on Equity | -2.14% | -4.14% | -4.99% | -4.82% | -2.91% | -1.28% | 1.37% | -1.51% | +330 bps | |
| Net Interest Margin | 4.28% | 4.20% | 4.18% | 4.00% | 4.06% | 4.15% | 4.17% | 4.07% | +7 bps | |
| Efficiency Ratio | 97.65% | 93.98% | 94.88% | 94.26% | 93.09% | 90.96% | 89.75% | 95.33% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 8.47% | 4.17% | 1.85% | 1.71% | -0.74% | -0.02% | 1.10% | -75 bps | |
| Loan Growth (YoY) | 0.92% | -3.16% | -3.69% | 2.28% | 4.58% | 7.55% | 6.88% | -0.93% | -321 bps | |
| Share Growth (YoY) | 8.29% | 9.17% | 4.59% | 2.05% | 2.35% | -0.68% | -0.03% | 1.22% | -83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.81% | 0.68% | 0.55% | 0.52% | 0.41% | 0.28% | 0.39% | -16 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 | 0.59% | 0.68% | 0.70% | 0.80% | 0.78% | 0.84% | 0.82% | 0.81% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.54% | 7.30% | 7.16% | 6.98% | 6.75% | 6.86% | 7.01% | 6.82% | -16 bps | |
| Net Worth / Assets | 7.54% | 7.30% | 7.16% | 6.98% | 6.75% | 6.86% | 7.01% | 6.82% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.39% | 72.52% | 72.63% | 74.48% | 77.04% | 78.53% | 77.65% | 72.90% | -158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.79% | +9,779 bps | |