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Typo

Col. Heights, VA · Charter 1016

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Typo

Col. Heights, VA · Charter 1016

Q1 2004

$213KAssets
$156KLoans
$189KShares
$23KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.95%, up 1,089 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 22.95% of loans (+278 bps YoY).
  • Capital: net worth / assets of 10.91%, up 161 bps from a year ago.
  • Funding: loans stand at 82.50% of shares as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

2.95%+1,089 bps YoY

Net Interest Margin (YTD, annualized)

5.14%-139 bps YoY

Efficiency Ratio (YTD, annualized)

54.17%-14,974 bps YoY

Net Worth / Assets

10.91%+161 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-7.94%-4.54%-2.74%-2.20%2.95%+1,089 bps
Return on Equity-85.44%-51.28%-30.39%-25.00%27.01%+11,245 bps
Net Interest Margin6.53%4.89%4.48%4.25%5.14%-139 bps
Efficiency Ratio204%65.90%70.92%69.23%54.17%-14,974 bps
Growth
Asset Growth (YoY)10.18%12.93%10.64%0.99%-11.29%-2,148 bps
Loan Growth (YoY)3.50%8.56%-12.87%-15.51%-16.35%-1,985 bps
Share Growth (YoY)13.09%17.45%14.88%3.40%-12.88%-2,596 bps
Asset Quality
Delinquent Loans / Loans20.16%15.42%16.68%21.41%22.95%+278 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.49%0.48%0.51%0.53%0.61%+12 bps
Capital
Risk-Based Capital9.29%8.84%9.02%8.78%10.91%+161 bps
Net Worth / Assets9.29%8.84%9.02%8.78%10.91%+161 bps
Liquidity & Funding
Loans / Shares85.92%89.31%84.31%81.19%82.50%-343 bps
Liquid Assets / Assets21.26%17.90%22.69%25.57%25.96%+469 bps