Harrisonburg, VA · Charter 17118
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Harrisonburg, VA · Charter 17118
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.10% | 0.06% | 0.02% | 0.13% | -7 bps | |
| Return on Equity | 1.07% | 0.58% | 0.32% | 0.09% | 0.67% | -40 bps | |
| Net Interest Margin | 2.19% | 2.11% | 2.04% | 2.29% | 1.96% | -22 bps | |
| Efficiency Ratio | 91.28% | 95.20% | 97.31% | 99.26% | 93.54% | +226 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 6.07% | 2.84% | -2.62% | -5.37% | -1,082 bps | |
| Loan Growth (YoY) | 3.18% | 8.17% | 4.04% | -5.90% | 0.91% | -227 bps | |
| Share Growth (YoY) | 6.68% | 7.46% | 3.38% | -3.26% | -6.65% | -1,333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.00% | 1.23% | 1.13% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.17% | 8.32% | 7.81% | 8.25% | 8.10% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.97% | 17.59% | 17.24% | 19.35% | 19.01% | +104 bps | |
| Net Worth / Assets | 17.97% | 17.59% | 17.24% | 19.35% | 19.01% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.34% | 29.05% | 30.22% | 33.08% | 32.80% | +246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |