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R F & P Richmond

Midlothian, VA · Charter 11150

NCUA · 1 branch

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

R F & P Richmond

Midlothian, VA · Charter 11150

NCUA · 1 branch

Q4 2019

$16.1MAssets
$12.1MLoans
$14.5MShares
$1.5MNet 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 -1.87%, down 221 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 1.04% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.08%, up 10 bps from a year ago.
  • Funding: loans stand at 83.28% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-1.87%-221 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-42 bps YoY

Efficiency Ratio (YTD, annualized)

114.78%+3,699 bps YoY

Net Worth / Assets

9.08%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.34%-4.39%-3.54%-2.46%-1.87%-221 bps
Return on Equity3.83%-54.56%-43.60%-28.64%-20.58%-2,441 bps
Net Interest Margin4.50%3.74%3.88%4.00%4.08%-42 bps
Efficiency Ratio77.79%146.26%133.18%118.47%114.78%+3,699 bps
Growth
Asset Growth (YoY)-16.82%-10.18%-13.22%-13.59%-17.99%-117 bps
Loan Growth (YoY)-13.73%-15.48%-19.42%-20.19%-21.44%-770 bps
Share Growth (YoY)-18.21%-10.57%-13.24%-13.47%-18.38%-18 bps
Asset Quality
Delinquent Loans / Loans1.24%1.14%1.28%0.57%1.04%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.07%2.10%2.20%2.10%1.95%-12 bps
Capital
Risk-Based Capital8.98%8.04%8.13%8.59%9.08%+10 bps
Net Worth / Assets8.98%8.04%8.13%8.59%9.08%+10 bps
Liquidity & Funding
Loans / Shares86.52%81.43%82.81%83.06%83.28%-324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps