Emporia, VA · Charter 12558
Q4 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.80% | -0.69% | -2.06% | -2.98% | -2.54% | +225 bps | |
| Return on Equity | -60.22% | -8.35% | -27.77% | -44.45% | -39.79% | +2,042 bps | |
| Net Interest Margin | 3.59% | 6.72% | 5.60% | 5.10% | 4.72% | +113 bps | |
| Efficiency Ratio | 228% | 110.18% | 136.01% | 138.37% | 137.42% | -9,025 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.39% | -11.71% | -12.17% | -14.60% | -10.88% | -749 bps | |
| Loan Growth (YoY) | 11.32% | 3.67% | 14.87% | 12.34% | -22.32% | -3,364 bps | |
| Share Growth (YoY) | 2.32% | -7.15% | -7.50% | -11.22% | -9.35% | -1,167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 4.09% | 1.76% | 3.82% | 3.13% | +201 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.37% | 1.92% | 1.51% | 1.63% | 1.54% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.96% | 8.28% | 7.42% | 6.70% | 6.39% | -157 bps | |
| Net Worth / Assets | 7.96% | 8.28% | 7.42% | 6.70% | 6.39% | -157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.61% | 37.78% | 24.94% | 40.51% | 42.51% | -710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |