Charlottesvil, VA · Charter 17043
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.91% | -7.06% | -3.17% | -1.33% | -1.08% | -499 bps | |
| Return on Equity | 30.50% | -90.43% | -38.92% | -14.14% | -8.94% | -3,943 bps | |
| Net Interest Margin | 2.75% | 1.96% | 1.59% | 1.49% | 0.80% | -195 bps | |
| Efficiency Ratio | 28.98% | 50.30% | 44.94% | 38.95% | 235% | +20,575 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.31% | -15.95% | 4.63% | 23.15% | -17.77% | -1,908 bps | |
| Loan Growth (YoY) | -38.07% | -46.73% | -63.14% | -68.19% | -69.42% | -3,135 bps | |
| Share Growth (YoY) | -3.23% | -15.22% | 4.82% | 24.46% | -20.87% | -1,764 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 82.08% | 26.62% | 17.96% | 12.62% | 0.00% | -8,208 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 22.71% | 22.17% | 27.57% | 46.32% | 55.97% | +3,326 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.82% | 7.81% | 8.14% | 9.39% | 12.08% | -74 bps | |
| Net Worth / Assets | 12.82% | 7.81% | 8.14% | 9.39% | 12.08% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.13% | 9.47% | 6.88% | 4.97% | 5.46% | -867 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |