Roanoke, VA · Charter 19065
Q2 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | -1.39% | -0.78% | 0.43% | -1.21% | -151 bps | |
| Return on Equity | 3.82% | -22.02% | -12.28% | 6.78% | -21.04% | -2,486 bps | |
| Net Interest Margin | 4.47% | 4.07% | 3.96% | 4.36% | 4.57% | +10 bps | |
| Efficiency Ratio | 83.49% | 94.27% | 84.91% | 92.42% | 96.60% | +1,311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.22% | 33.69% | 40.27% | 13.04% | 7.71% | -1,051 bps | |
| Loan Growth (YoY) | 2.49% | 3.07% | 2.52% | 4.60% | 4.18% | +169 bps | |
| Share Growth (YoY) | 20.12% | 37.78% | 46.11% | 14.58% | 10.08% | -1,004 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 1.64% | 2.60% | 3.99% | 4.69% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.82% | 1.81% | 1.77% | 1.76% | +64 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 6.31% | 6.31% | 6.28% | 5.77% | -208 bps | |
| Net Worth / Assets | 7.85% | 6.31% | 6.31% | 6.28% | 5.77% | -208 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.98% | 70.29% | 67.73% | 68.50% | 70.96% | -402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.75% | 98.93% | 0.00% | 0 bps | |