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Walker-Virginia

Harrisonburg, VA · Charter 17118

Q1 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Walker-Virginia

Harrisonburg, VA · Charter 17118

Q1 2015

$1.7MAssets
$433KLoans
$1.3MShares
$315KNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, down 7 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 1.13% of loans (+113 bps YoY).
  • Capital: net worth / assets of 19.01%, up 104 bps from a year ago.
  • Funding: loans stand at 32.80% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

0.13%-7 bps YoY

Net Interest Margin (YTD, annualized)

1.96%-22 bps YoY

Efficiency Ratio (YTD, annualized)

93.54%+226 bps YoY

Net Worth / Assets

19.01%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.01%0.05%0.11%0.19%0.10%0.06%0.02%0.13%-7 bps
Return on Equity0.07%0.28%0.61%1.07%0.58%0.32%0.09%0.67%-40 bps
Net Interest Margin2.25%2.15%2.34%2.19%2.11%2.04%2.29%1.96%-22 bps
Efficiency Ratio99.45%97.72%95.12%91.28%95.20%97.31%99.26%93.54%+226 bps
Growth
Asset Growth (YoY)1.73%1.16%4.85%5.45%6.07%2.84%-2.62%-5.37%-1,082 bps
Loan Growth (YoY)-14.48%0.74%2.84%3.18%8.17%4.04%-5.90%0.91%-227 bps
Share Growth (YoY)2.06%1.38%5.96%6.68%7.46%3.38%-3.26%-6.65%-1,333 bps
Asset Quality
Delinquent Loans / Loans3.48%0.24%0.00%0.00%0.00%1.00%1.23%1.13%+113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.95%8.07%7.76%8.17%8.32%7.81%8.25%8.10%-7 bps
Capital
Risk-Based Capital18.50%17.61%18.83%17.97%17.59%17.24%19.35%19.01%+104 bps
Net Worth / Assets18.50%17.61%18.83%17.97%17.59%17.24%19.35%19.01%+104 bps
Liquidity & Funding
Loans / Shares28.86%30.02%34.01%30.34%29.05%30.22%33.08%32.80%+246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps