Virginia Beach, VA · Charter 13491
NCUA · 5 branches
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -1.34% | -1.10% | -0.85% | -0.28% | -0.68% | -0.66% | -0.96% | -11 bps | |
| Return on Equity | -9.03% | -21.45% | -18.54% | -14.28% | -4.97% | -12.94% | -12.95% | -20.26% | -598 bps | |
| Net Interest Margin | 3.39% | 2.98% | 2.76% | 2.76% | 2.52% | 2.53% | 2.55% | 2.61% | -14 bps | |
| Efficiency Ratio | 96.03% | 108.44% | 110.86% | 107.43% | 112.15% | 116.54% | 114.38% | 123.87% | +1,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | 2.08% | 7.50% | 6.01% | 12.66% | 7.96% | 6.09% | 4.55% | -146 bps | |
| Loan Growth (YoY) | -15.94% | -20.58% | -20.45% | -18.84% | -15.77% | -7.38% | 1.77% | 0.95% | +1,980 bps | |
| Share Growth (YoY) | 0.48% | 5.15% | 11.38% | 7.10% | 14.75% | 9.77% | 7.57% | 6.61% | -49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 0.58% | 0.85% | 0.96% | 1.00% | 0.50% | 0.60% | 1.16% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.23% | 1.19% | 1.12% | 0.98% | 1.01% | 0.98% | 0.97% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.15% | 6.26% | 5.91% | 5.97% | 5.61% | 5.28% | 5.06% | 4.75% | -122 bps | |
| Net Worth / Assets | 7.15% | 6.26% | 5.91% | 5.97% | 5.61% | 5.28% | 5.06% | 4.75% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.53% | 54.74% | 50.17% | 49.77% | 45.90% | 46.19% | 47.47% | 47.13% | -264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |