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NWS

Yorktown, VA · Charter 11298

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

NWS

Yorktown, VA · Charter 11298

Q3 2013

$21.9MAssets
$8.6MLoans
$20.4MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.47%, up 18 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.04% of loans (-4 bps YoY).
  • Capital: net worth / assets of 6.44%, down 4 bps from a year ago.
  • Funding: loans stand at 41.89% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-0.47%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-14 bps YoY

Efficiency Ratio (YTD, annualized)

110.38%-406 bps YoY

Net Worth / Assets

6.44%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.58%-0.06%-0.37%-0.66%-0.92%-0.67%-0.76%-0.47%+18 bps
Return on Equity-9.10%-0.91%-5.81%-10.12%-14.79%-11.05%-12.52%-7.32%+280 bps
Net Interest Margin3.05%2.78%2.81%2.95%2.98%2.73%2.76%2.82%-14 bps
Efficiency Ratio111.16%107.49%110.99%114.43%114.75%112.49%115.48%110.38%-406 bps
Growth
Asset Growth (YoY)-3.71%-3.38%-7.74%-13.83%-10.25%-11.17%-11.97%-10.61%+323 bps
Loan Growth (YoY)-7.25%-11.75%-8.14%-5.72%-4.60%-1.93%-10.22%-19.23%-1,351 bps
Share Growth (YoY)-3.32%-3.35%-7.87%-14.22%-10.12%-10.93%-11.65%-10.33%+390 bps
Asset Quality
Delinquent Loans / Loans0.12%0.14%0.14%0.09%0.07%0.00%0.03%0.04%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.28%0.25%0.32%0.58%0.65%0.68%0.60%+28 bps
Capital
Risk-Based Capital6.41%6.31%6.35%6.48%6.22%6.03%6.08%6.44%-4 bps
Net Worth / Assets6.41%6.31%6.35%6.48%6.22%6.03%6.08%6.44%-4 bps
Liquidity & Funding
Loans / Shares43.63%40.26%42.53%46.51%46.31%44.33%43.21%41.89%-462 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps