Norfolk, VA · Charter 1185
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Norfolk, VA · Charter 1185
NCUA · 1 branch
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -1.00% | 0.39% | -0.79% | -0.56% | -3.04% | 0.26% | -5.26% | -446 bps | |
| Return on Equity | -4.98% | -12.99% | 5.42% | -10.83% | -7.70% | -69.53% | 5.91% | -243% | -23,179 bps | |
| Net Interest Margin | 4.05% | 4.08% | 4.01% | 4.08% | 4.19% | 4.31% | 4.54% | 4.79% | +70 bps | |
| Efficiency Ratio | 106.11% | 109.41% | 88.82% | 109.08% | 104.62% | 120.25% | 96.05% | 111.51% | +244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.76% | -3.68% | -0.50% | -2.27% | -2.32% | 3.35% | -3.57% | -5.06% | -279 bps | |
| Loan Growth (YoY) | 18.76% | 9.08% | 2.09% | -9.97% | 16.63% | 20.10% | 11.80% | 20.06% | +3,003 bps | |
| Share Growth (YoY) | -0.24% | -3.09% | -0.28% | -1.61% | -2.08% | 6.23% | -0.21% | 0.53% | +214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.61% | 2.78% | 2.05% | 1.91% | 2.98% | 3.45% | 1.46% | -58 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 | 0.23% | 0.79% | 1.02% | 1.01% | 0.90% | 3.00% | 3.46% | 4.41% | +340 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 7.67% | 7.22% | 7.32% | 7.25% | 4.38% | 4.42% | 2.17% | -515 bps | |
| Net Worth / Assets | 8.17% | 7.67% | 7.22% | 7.32% | 7.25% | 4.38% | 4.42% | 2.17% | -515 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.66% | 53.29% | 45.92% | 47.17% | 61.53% | 60.25% | 51.45% | 56.34% | +917 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |