Washington, DC · Charter 118
NCUA · 2 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.61% | 0.54% | 0.63% | 0.65% | 0.49% | 0.63% | -2.95% | -357 bps | |
| Return on Equity | -1.16% | 7.09% | 6.07% | 6.86% | 7.00% | 5.26% | 6.35% | -37.87% | -4,473 bps | |
| Net Interest Margin | 3.15% | 3.17% | 3.30% | 3.38% | 3.42% | 3.52% | 3.68% | 3.53% | +15 bps | |
| Efficiency Ratio | 91.59% | 76.45% | 80.00% | 79.88% | 79.93% | 83.06% | 83.37% | 166.02% | +8,614 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 1.33% | -2.32% | -2.05% | 0.24% | -2.06% | -2.57% | -6.80% | -475 bps | |
| Loan Growth (YoY) | 7.54% | 4.18% | 5.45% | 2.41% | 3.05% | 6.23% | 3.22% | -2.44% | -486 bps | |
| Share Growth (YoY) | 2.06% | 1.16% | -3.04% | -2.79% | -0.28% | -2.84% | -3.48% | -3.03% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.34% | 0.21% | 0.33% | 0.31% | 0.84% | 0.23% | 1.13% | +80 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 | 0.76% | 0.78% | 0.70% | 0.65% | 0.64% | 0.57% | 0.49% | 0.37% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.76% | 8.55% | 8.92% | 9.12% | 9.29% | 9.34% | 9.86% | 7.78% | -135 bps | |
| Net Worth / Assets | 8.76% | 8.55% | 8.92% | 9.12% | 9.29% | 9.34% | 9.86% | 7.78% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.77% | 65.10% | 69.64% | 70.41% | 71.07% | 71.17% | 74.48% | 70.83% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |