Charleston, WV · Charter 14797
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | 0.07% | -0.18% | 0.88% | -5.68% | -563 bps | |
| Return on Equity | -0.75% | 1.08% | -2.31% | 10.41% | -104.40% | -10,365 bps | |
| Net Interest Margin | 6.31% | 5.73% | 6.61% | 6.50% | 6.66% | +35 bps | |
| Efficiency Ratio | 95.46% | 95.14% | 99.92% | 87.34% | 70.07% | -2,539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.31% | 7.13% | -6.49% | -13.70% | -11.46% | -515 bps | |
| Loan Growth (YoY) | -10.03% | -8.17% | -9.91% | -5.18% | -9.90% | +12 bps | |
| Share Growth (YoY) | -5.41% | 8.73% | -7.03% | -14.35% | -10.13% | -472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.78% | 12.18% | 13.73% | 18.44% | 2.06% | -771 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.48% | 0.01% | 0.01% | 0.00% | -144 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.48% | 6.87% | 7.73% | 8.50% | 5.44% | -203 bps | |
| Net Worth / Assets | 7.48% | 6.87% | 7.73% | 8.50% | 5.44% | -203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.10% | 63.64% | 71.85% | 77.99% | 73.28% | +18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |