Norfolk, VA · Charter 12630
NCUA · 3 branches
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | -0.23% | -1.06% | -2.92% | -2.13% | -241 bps | |
| Return on Equity | 2.73% | -2.37% | -11.26% | -34.39% | -23.99% | -2,672 bps | |
| Net Interest Margin | 5.24% | 5.13% | 5.23% | 5.35% | 5.56% | +32 bps | |
| Efficiency Ratio | 78.90% | 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 / Loans | 1.34% | 0.95% | 1.45% | 0.58% | 0.60% | -74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.11% | 1.51% | 1.85% | 1.86% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.13% | 9.57% | 9.40% | 8.50% | 8.89% | -125 bps | |
| Net Worth / Assets | 10.13% | 9.57% | 9.40% | 8.50% | 8.89% | -125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.40% | 100.41% | 100.67% | 101.65% | 100.08% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |