Bluefield, WV · Charter 19158
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
1
Profitability
33
Liquidity
0
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bluefield, WV · Charter 19158
NCUA · 1 branch
Q3 2024
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.36% | 0.19% | 0.63% | -19.93% | -1,985 bps | |
| Return on Equity | -0.19% | -0.93% | 0.48% | 1.51% | -44.25% | -4,406 bps | |
| Net Interest Margin | 5.74% | 5.35% | 4.79% | 4.69% | 6.75% | +101 bps | |
| Efficiency Ratio | 101.30% | 106.61% | 96.05% | 86.62% | 112.11% | +1,081 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -41.77% | -29.29% | -30.49% | -32.47% | -36.21% | +556 bps | |
| Loan Growth (YoY) | -11.75% | -14.08% | -18.75% | -27.73% | -37.94% | -2,619 bps | |
| Share Growth (YoY) | -53.86% | -40.04% | -41.97% | -45.05% | -42.94% | +1,092 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.25% | 33.32% | 22.87% | 30.23% | 8.29% | -995 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.98% | 18.93% | 19.98% | 22.95% | 31.03% | +1,205 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.57% | 38.41% | 39.71% | 41.90% | 45.03% | +646 bps | |
| Net Worth / Assets | 38.57% | 38.41% | 39.71% | 41.90% | 45.03% | +646 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 130.90% | 120.89% | 120.84% | 115.86% | 142.38% | +1,148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bluefield, WV · Charter 19158 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
-19.85%
Rank 1,759 of 1,761
Net Interest Margin
6.52%
Rank 31 of 1,761
Efficiency Ratio
118.18%
Rank 1,698 of 1,754
Equity / Assets
44.89%
Rank 15 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -19.85% | 0.26% | 0.70% | 1.22% | Beats 0% | 1,759 / 1,761 | |
| Return on Equity | -44.22% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,738 / 1,761 | |
| Net Interest Margin | 6.52% | 3.03% | 3.59% | 4.25% | Beats 98% | 31 / 1,761 | |
| Efficiency Ratio | 118.18% | 68.95% | 77.94% | 87.14% | Beats 3% | 1,698 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 8.26% | 0.26% | 0.65% | 1.27% | Beats 1% | 1,733 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 45.03% | 10.05% | 12.42% | 15.87% | Beats 99% | 15 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 44.89% | 10.05% | 12.42% | 15.87% | Beats 99% | 15 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 142.38% | 56.21% | 73.13% | 85.64% | 100th pctl | 3 / 1,759 | |
| Loans / Assets | 78.00% | 47.85% | 62.48% | 73.19% | 86th pctl | 252 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||