Charleston, WV · Charter 12252
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -14.87% | -4.41% | -49.57% | -30.38% | -21.96% | -709 bps | |
| Return on Equity | -79.40% | -18.19% | -327% | -224% | -512% | -43,297 bps | |
| Net Interest Margin | 3.29% | 2.96% | 2.43% | 2.37% | 1.64% | -165 bps | |
| Efficiency Ratio | 277% | 97.36% | 262% | 333% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -24.43% | -19.64% | -22.63% | -14.26% | 21.76% | +4,620 bps | |
| Loan Growth (YoY) | -24.61% | -26.65% | -30.37% | -28.48% | -29.51% | -491 bps | |
| Share Growth (YoY) | -20.00% | -21.57% | -15.82% | -7.68% | 40.03% | +6,003 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.16% | 17.30% | 14.40% | 26.55% | 17.93% | +77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 27.62% | 31.06% | 61.15% | 63.76% | 70.93% | +4,331 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.72% | 24.25% | 15.15% | 13.57% | 4.29% | -1,444 bps | |
| Net Worth / Assets | 18.72% | 24.25% | 15.15% | 13.57% | 4.29% | -1,444 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.43% | 42.09% | 38.89% | 37.63% | 22.87% | -2,256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |