Hillsville, VA · Charter 15962
NCUA · 2 branches
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.34% | 0.13% | -0.09% | -0.34% | -30 bps | |
| Return on Equity | -0.25% | 2.07% | 0.77% | -0.50% | -1.84% | -159 bps | |
| Net Interest Margin | 1.96% | 2.14% | 1.98% | 1.82% | 1.88% | -8 bps | |
| Efficiency Ratio | 95.19% | 77.96% | 86.68% | 96.77% | 109.61% | +1,441 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.52% | -0.19% | -3.76% | -7.85% | -11.56% | -1,104 bps | |
| Loan Growth (YoY) | -29.16% | -28.68% | -23.73% | -20.72% | -24.73% | +443 bps | |
| Share Growth (YoY) | -0.60% | -0.19% | -4.31% | -9.09% | -13.06% | -1,246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.34% | 0.43% | 0.54% | 0.37% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.95% | 19.89% | 24.77% | 30.80% | 21.14% | +619 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.61% | 16.42% | 16.68% | 17.14% | 18.34% | +174 bps | |
| Net Worth / Assets | 16.61% | 16.42% | 16.68% | 17.14% | 18.34% | +174 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.70% | 13.25% | 11.01% | 9.38% | 15.32% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |