Parkersburg, WV · Charter 14020
NCUA · 1 branch
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.39% | -0.15% | -0.23% | 0.07% | 0.02% | +41 bps | |
| Return on Equity | -2.98% | -1.14% | -1.84% | 0.53% | 0.15% | +313 bps | |
| Net Interest Margin | 1.67% | 1.94% | 1.76% | 1.99% | 1.78% | +10 bps | |
| Efficiency Ratio | 120.78% | 107.06% | 111.85% | 96.81% | 99.10% | -2,168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.89% | 13.14% | 8.27% | 7.47% | 3.39% | +50 bps | |
| Loan Growth (YoY) | 12.87% | 4.83% | 2.88% | -2.02% | -8.01% | -2,087 bps | |
| Share Growth (YoY) | 3.77% | 16.05% | 9.95% | 8.69% | 3.87% | +10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.00% | 0.21% | 0.19% | 0.17% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.95% | 0.92% | 0.89% | 0.97% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.99% | 13.34% | 12.58% | 13.71% | 12.58% | -41 bps | |
| Net Worth / Assets | 12.99% | 13.34% | 12.58% | 13.71% | 12.58% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.87% | 27.10% | 26.39% | 29.63% | 24.68% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |