Cumberland, MD · Charter 9183
NCUA · 2 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Cumberland, MD · Charter 9183
NCUA · 2 branches
Q2 2020
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.11% | -0.35% | 0.26% | 0.20% | +12 bps | |
| Return on Equity | 0.44% | 0.66% | -2.05% | 1.59% | 1.20% | +76 bps | |
| Net Interest Margin | 3.02% | 3.10% | 3.19% | 3.01% | 2.94% | -7 bps | |
| Efficiency Ratio | 98.92% | 98.03% | 104.75% | 98.39% | 98.19% | -73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | 2.49% | 0.94% | 2.55% | -0.33% | -250 bps | |
| Loan Growth (YoY) | 11.22% | 4.75% | 0.53% | -2.90% | -3.34% | -1,456 bps | |
| Share Growth (YoY) | 2.30% | 3.85% | 4.02% | 3.40% | 0.03% | -227 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 1.26% | 0.64% | 0.21% | 0.19% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.40% | 0.50% | 0.45% | 0.40% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.67% | 16.97% | 16.96% | 16.54% | 16.45% | -22 bps | |
| Net Worth / Assets | 16.67% | 16.97% | 16.96% | 16.54% | 16.45% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.04% | 62.22% | 64.60% | 61.40% | 59.95% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |