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Norfolk Naval Supply Center

Norfolk, VA · Charter 12630

NCUA · 3 branches

Q3 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Norfolk Naval Supply Center

Norfolk, VA · Charter 12630

NCUA · 3 branches

Q3 2018

$90.6MAssets
$80.0MLoans
$80.0MShares
$8.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.13%, down 241 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 0.60% of loans (-74 bps YoY).
  • Capital: net worth / assets of 8.89%, down 125 bps from a year ago.
  • Funding: loans stand at 100.08% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.13%-241 bps YoY

Net Interest Margin (YTD, annualized)

5.56%+32 bps YoY

Efficiency Ratio (YTD, annualized)

82.28%+337 bps YoY

Net Worth / Assets

8.89%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.28%-0.23%-1.06%-2.92%-2.13%-241 bps
Return on Equity2.73%-2.37%-11.26%-34.39%-23.99%-2,672 bps
Net Interest Margin5.24%5.13%5.23%5.35%5.56%+32 bps
Efficiency Ratio78.90%84.01%75.25%82.62%82.28%+337 bps
Growth
Asset Growth (YoY)0.23%0.41%-1.83%-4.20%-8.54%-877 bps
Loan Growth (YoY)8.53%12.38%8.34%3.36%-4.01%-1,254 bps
Share Growth (YoY)1.04%-0.35%-0.60%-1.33%-6.58%-762 bps
Asset Quality
Delinquent Loans / Loans1.34%0.95%1.45%0.58%0.60%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.11%1.51%1.85%1.86%+79 bps
Capital
Risk-Based Capital10.13%9.57%9.40%8.50%8.89%-125 bps
Net Worth / Assets10.13%9.57%9.40%8.50%8.89%-125 bps
Liquidity & Funding
Loans / Shares97.40%100.41%100.67%101.65%100.08%+268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps