Norfolk, VA · Charter 11951
NCUA · 1 branch
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.47% | -1.12% | -1.13% | -0.85% | -0.12% | -0.04% | 0.05% | -4.22% | -338 bps | |
| Return on Equity | -13.48% | -10.30% | -10.71% | -8.38% | -1.13% | -0.36% | 0.48% | -45.75% | -3,737 bps | |
| Net Interest Margin | 2.31% | 2.33% | 2.34% | 2.27% | 2.29% | 2.37% | 2.38% | 2.45% | +19 bps | |
| Efficiency Ratio | 110.27% | 107.75% | 106.82% | 103.62% | 104.42% | 103.26% | 103.37% | 185.42% | +8,180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.34% | -1.01% | -6.56% | -4.29% | 1.42% | -0.05% | 1.49% | 1.01% | +530 bps | |
| Loan Growth (YoY) | 19.92% | 18.92% | 5.29% | 4.42% | -8.57% | -8.67% | -7.47% | -4.47% | -889 bps | |
| Share Growth (YoY) | -2.71% | -0.16% | -6.26% | -3.57% | 1.95% | 0.22% | 1.56% | 1.52% | +509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.26% | 0.12% | 0.05% | 0.33% | 0.53% | 0.32% | 0.52% | +47 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 | 0.99% | 1.31% | 1.47% | 1.96% | 1.21% | 1.60% | 1.23% | 1.89% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.90% | 10.84% | 10.57% | 10.13% | 10.30% | 10.52% | 10.46% | 9.23% | -90 bps | |
| Net Worth / Assets | 10.90% | 10.84% | 10.57% | 10.13% | 10.30% | 10.52% | 10.46% | 9.23% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.46% | 40.91% | 39.93% | 37.66% | 37.18% | 37.28% | 36.38% | 35.44% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |