Fairfax, VA · Charter 18665
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.39% | 0.73% | 0.54% | 0.55% | 0.49% | 0.02% | -12.86% | -1,341 bps | |
| Return on Equity | -0.03% | 3.71% | 6.72% | 4.92% | 4.74% | 4.08% | 0.19% | -120.59% | -12,551 bps | |
| Net Interest Margin | 3.49% | 3.66% | 3.62% | 3.76% | 3.99% | 3.98% | 3.98% | 5.46% | +170 bps | |
| Efficiency Ratio | 100.09% | 90.42% | 81.06% | 86.39% | 87.01% | 88.50% | 99.45% | 344% | +25,735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | -0.39% | 2.04% | 0.83% | -6.14% | -7.44% | -4.52% | -34.15% | -3,498 bps | |
| Loan Growth (YoY) | -3.16% | -0.09% | 0.40% | -5.67% | -3.53% | -6.60% | -8.45% | 0.74% | +641 bps | |
| Share Growth (YoY) | 2.50% | -0.43% | 2.04% | 0.51% | -7.36% | -8.67% | -5.32% | -37.76% | -3,827 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.78% | 0.66% | 0.69% | 0.65% | 0.52% | 0.00% | 0.00% | -69 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 | 0.79% | 0.78% | 0.79% | 0.84% | 0.82% | 0.83% | 0.86% | 0.83% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.29% | 10.57% | 10.85% | 11.07% | 11.60% | 11.92% | 11.66% | 10.67% | -41 bps | |
| Net Worth / Assets | 10.29% | 10.57% | 10.85% | 11.07% | 11.60% | 11.92% | 11.66% | 10.67% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.85% | 61.53% | 61.75% | 58.83% | 62.33% | 62.93% | 59.71% | 95.21% | +3,638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |