Sanford, ME · Charter 9508
NCUA · 6 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.89% | 0.88% | 0.84% | 0.88% | 0.98% | 0.95% | 0.61% | -23 bps | |
| Return on Equity | 9.24% | 9.51% | 9.26% | 9.06% | 9.33% | 10.01% | 9.72% | 6.37% | -269 bps | |
| Net Interest Margin | 3.81% | 3.74% | 3.77% | 3.93% | 3.97% | 4.05% | 4.00% | 3.95% | +3 bps | |
| Efficiency Ratio | 76.76% | 76.38% | 76.89% | 76.28% | 76.06% | 75.04% | 75.41% | 81.41% | +513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.69% | 16.41% | 15.46% | 12.71% | 11.77% | 5.90% | 6.96% | 6.95% | -577 bps | |
| Loan Growth (YoY) | 16.28% | 19.87% | 21.28% | 19.05% | 16.20% | 12.08% | 9.22% | 6.91% | -1,214 bps | |
| Share Growth (YoY) | 16.93% | 15.74% | 14.55% | 14.08% | 12.15% | 7.34% | 6.28% | 6.57% | -752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.36% | 0.68% | 0.29% | 0.39% | 0.49% | 0.46% | 0.31% | +3 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 | 0.54% | 0.55% | 0.56% | 0.62% | 0.66% | 0.70% | 0.70% | 0.72% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.56% | 9.37% | 9.45% | 9.29% | 9.43% | 9.79% | 9.79% | 9.56% | +27 bps | |
| Net Worth / Assets | 9.56% | 9.37% | 9.45% | 9.29% | 9.43% | 9.79% | 9.79% | 9.56% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.97% | 101.73% | 104.06% | 100.81% | 102.55% | 106.22% | 106.93% | 101.14% | +33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |