Lynchburg, VA · Charter 1345
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 2.05% | 1.88% | 1.72% | 1.69% | -43 bps | |
| Return on Equity | 10.28% | 9.61% | 10.25% | 9.74% | 9.65% | -63 bps | |
| Net Interest Margin | 5.11% | 5.13% | 4.34% | 4.12% | 3.94% | -117 bps | |
| Efficiency Ratio | 58.70% | 60.39% | 57.11% | 58.64% | 57.46% | -124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 5.62% | 23.22% | 30.93% | 30.50% | +2,438 bps | |
| Loan Growth (YoY) | 7.47% | 5.00% | 20.98% | 28.63% | 24.58% | +1,711 bps | |
| Share Growth (YoY) | 4.79% | 4.37% | 1.79% | 7.24% | 13.77% | +898 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.11% | 0.03% | 0.09% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.57% | 0.50% | 0.41% | 0.43% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.70% | 21.30% | 18.29% | 17.64% | 17.55% | -315 bps | |
| Net Worth / Assets | 20.70% | 21.30% | 18.29% | 17.64% | 17.55% | -315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.59% | 114.46% | 138.86% | 133.69% | 121.10% | +1,051 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |