Midlothian, VA · Charter 11150
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | -4.39% | -3.54% | -2.46% | -1.87% | -221 bps | |
| Return on Equity | 3.83% | -54.56% | -43.60% | -28.64% | -20.58% | -2,441 bps | |
| Net Interest Margin | 4.50% | 3.74% | 3.88% | 4.00% | 4.08% | -42 bps | |
| Efficiency Ratio | 77.79% | 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 / Loans | 1.24% | 1.14% | 1.28% | 0.57% | 1.04% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 2.10% | 2.20% | 2.10% | 1.95% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.98% | 8.04% | 8.13% | 8.59% | 9.08% | +10 bps | |
| Net Worth / Assets | 8.98% | 8.04% | 8.13% | 8.59% | 9.08% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.52% | 81.43% | 82.81% | 83.06% | 83.28% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |