Virginia Beach, VA · Charter 14745
NCUA · 1 branch
Q3 2020
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.05% | -1.10% | -2.22% | -2.14% | -233 bps | |
| Return on Equity | 1.08% | 0.28% | -6.45% | -14.10% | -13.22% | -1,430 bps | |
| Net Interest Margin | 3.86% | 3.72% | 2.95% | 2.72% | 2.55% | -131 bps | |
| Efficiency Ratio | 87.86% | 92.96% | 134.38% | 142.73% | 153.70% | +6,584 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.31% | 2.22% | -2.25% | 0.03% | 0.05% | -426 bps | |
| Loan Growth (YoY) | -16.15% | -19.22% | -24.78% | -32.59% | -30.68% | -1,453 bps | |
| Share Growth (YoY) | 5.03% | 2.66% | -2.42% | 1.34% | 2.28% | -275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 2.53% | 0.35% | 0.00% | 0.14% | -198 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.05% | 0.44% | 1.23% | 0.93% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.90% | 17.85% | 17.11% | 15.76% | 16.19% | -171 bps | |
| Net Worth / Assets | 17.90% | 17.85% | 17.11% | 15.76% | 16.19% | -171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.97% | 33.79% | 27.88% | 22.71% | 23.02% | -1,095 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |