Fort Meade, MD · Charter 95749
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Fort Meade, MD · Charter 95749
NCUA · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.23% | -0.25% | -0.49% | -1.14% | -0.85% | -0.96% | -0.77% | -28 bps | |
| Return on Equity | -2.41% | -3.31% | -3.74% | -7.49% | -18.25% | -14.07% | -16.91% | -14.12% | -662 bps | |
| Net Interest Margin | 2.80% | 2.83% | 2.72% | 2.60% | 2.54% | 2.50% | 2.48% | 2.31% | -29 bps | |
| Efficiency Ratio | 102.15% | 104.31% | 104.84% | 107.24% | 109.11% | 109.16% | 114.94% | 113.66% | +642 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.76% | -7.32% | -3.29% | -4.59% | -4.01% | 1.45% | -0.83% | 1.00% | +559 bps | |
| Loan Growth (YoY) | -10.70% | -11.19% | -14.56% | -15.67% | -16.60% | -17.13% | -16.55% | -19.77% | -409 bps | |
| Share Growth (YoY) | -6.32% | -7.00% | -3.26% | -4.69% | -3.81% | 1.79% | 0.04% | 2.37% | +706 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.54% | 6.16% | 5.42% | 9.10% | 5.92% | 5.51% | 6.74% | 9.44% | +35 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 | 1.36% | 1.35% | 1.21% | 1.44% | 2.59% | 2.20% | 2.47% | 3.07% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.71% | 6.83% | 6.57% | 6.58% | 6.25% | 6.01% | 5.67% | 5.49% | -110 bps | |
| Net Worth / Assets | 6.71% | 6.83% | 6.57% | 6.58% | 6.25% | 6.01% | 5.67% | 5.49% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.50% | 30.36% | 27.97% | 26.96% | 26.45% | 24.72% | 23.33% | 21.13% | -583 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |