Arlington, VA · Charter 16172
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.48% | 0.54% | 0.63% | 0.63% | 0.48% | 0.53% | -1.71% | -233 bps | |
| Return on Equity | 4.04% | 3.89% | 4.33% | 4.73% | 4.61% | 3.65% | 3.98% | -13.21% | -1,794 bps | |
| Net Interest Margin | 2.13% | 1.99% | 2.03% | 2.17% | 2.22% | 1.92% | 1.97% | 2.14% | -4 bps | |
| Efficiency Ratio | 77.59% | 74.64% | 73.43% | 71.98% | 72.18% | 74.49% | 72.65% | 204% | +13,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.42% | 10.79% | 6.46% | 2.13% | 1.08% | -1.05% | -2.45% | -5.69% | -783 bps | |
| Loan Growth (YoY) | -23.05% | -18.49% | -1.83% | -9.48% | -11.21% | -17.15% | -30.97% | -31.16% | -2,168 bps | |
| Share Growth (YoY) | 3.48% | 12.26% | 7.23% | 2.17% | 0.61% | -1.55% | -3.11% | -4.69% | -686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 1.28% | 1.09% | 1.10% | 0.00% | 0.00% | 0.00% | 0.00% | -110 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 | 2.98% | 2.03% | 2.15% | 3.13% | 3.47% | 3.89% | 4.16% | 0.00% | -313 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 12.41% | 12.47% | 13.24% | 13.69% | 13.14% | 13.38% | 12.91% | -32 bps | |
| Net Worth / Assets | 13.20% | 12.41% | 12.47% | 13.24% | 13.69% | 13.14% | 13.38% | 12.91% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.27% | 13.46% | 15.02% | 14.43% | 13.47% | 11.33% | 10.70% | 10.42% | -401 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |