Charlottesvil, VA · Charter 11270
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 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.
Charlottesvil, VA · Charter 11270
NCUA · 1 branch
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.35% | -0.55% | -0.46% | -2.53% | -235 bps | |
| Return on Equity | -2.43% | -5.03% | -8.15% | -6.80% | -67.36% | -6,492 bps | |
| Net Interest Margin | 3.56% | 3.44% | 3.37% | 3.46% | 3.92% | +36 bps | |
| Efficiency Ratio | 108.15% | 111.37% | 115.35% | 112.43% | 155.98% | +4,783 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.54% | -0.11% | 3.55% | 1.54% | -13.05% | -1,459 bps | |
| Loan Growth (YoY) | -5.28% | -6.10% | -7.84% | -11.68% | -15.38% | -1,010 bps | |
| Share Growth (YoY) | 1.89% | -0.21% | 3.57% | 1.57% | -11.24% | -1,313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.60% | 0.57% | 0.68% | 1.59% | +105 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 7.06% | 6.73% | 6.83% | 3.75% | -336 bps | |
| Net Worth / Assets | 7.12% | 7.06% | 6.73% | 6.83% | 3.75% | -336 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.02% | 62.44% | 58.50% | 57.79% | 61.03% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |