Yorktown, VA · Charter 11298
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.92% | -0.67% | -0.76% | -0.47% | +18 bps | |
| Return on Equity | -10.12% | -14.79% | -11.05% | -12.52% | -7.32% | +280 bps | |
| Net Interest Margin | 2.95% | 2.98% | 2.73% | 2.76% | 2.82% | -14 bps | |
| Efficiency Ratio | 114.43% | 114.75% | 112.49% | 115.48% | 110.38% | -406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.83% | -10.25% | -11.17% | -11.97% | -10.61% | +323 bps | |
| Loan Growth (YoY) | -5.72% | -4.60% | -1.93% | -10.22% | -19.23% | -1,351 bps | |
| Share Growth (YoY) | -14.22% | -10.12% | -10.93% | -11.65% | -10.33% | +390 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.07% | 0.00% | 0.03% | 0.04% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.58% | 0.65% | 0.68% | 0.60% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.48% | 6.22% | 6.03% | 6.08% | 6.44% | -4 bps | |
| Net Worth / Assets | 6.48% | 6.22% | 6.03% | 6.08% | 6.44% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.51% | 46.31% | 44.33% | 43.21% | 41.89% | -462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |