Charlottesvil, VA · Charter 11270
NCUA · 1 branch
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.23% | -1.21% | -0.77% | -0.17% | -0.35% | -0.55% | -0.46% | -2.53% | -235 bps | |
| Return on Equity | -17.50% | -17.69% | -11.11% | -2.43% | -5.03% | -8.15% | -6.80% | -67.36% | -6,492 bps | |
| Net Interest Margin | 3.62% | 3.65% | 3.67% | 3.56% | 3.44% | 3.37% | 3.46% | 3.92% | +36 bps | |
| Efficiency Ratio | 108.46% | 110.43% | 105.96% | 108.15% | 111.37% | 115.35% | 112.43% | 155.98% | +4,783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.67% | -4.25% | -1.81% | 1.54% | -0.11% | 3.55% | 1.54% | -13.05% | -1,459 bps | |
| Loan Growth (YoY) | -6.62% | -5.70% | -4.07% | -5.28% | -6.10% | -7.84% | -11.68% | -15.38% | -1,010 bps | |
| Share Growth (YoY) | -4.45% | -2.81% | -0.48% | 1.89% | -0.21% | 3.57% | 1.57% | -11.24% | -1,313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.32% | 1.37% | 0.54% | 0.60% | 0.57% | 0.68% | 1.59% | +105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.01% | 6.83% | 6.89% | 7.12% | 7.06% | 6.73% | 6.83% | 3.75% | -336 bps | |
| Net Worth / Assets | 7.01% | 6.83% | 6.89% | 7.12% | 7.06% | 6.73% | 6.83% | 3.75% | -336 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.35% | 65.75% | 66.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |