Roanoke, VA · Charter 19932
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -0.29% | -0.42% | -0.21% | -0.97% | -67 bps | |
| Return on Equity | -2.68% | -2.79% | -4.18% | -2.17% | -10.18% | -751 bps | |
| Net Interest Margin | 3.60% | 3.17% | 3.02% | 2.82% | 2.99% | -60 bps | |
| Efficiency Ratio | 97.26% | 97.70% | 102.79% | 102.63% | 118.77% | +2,151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.21% | 2.14% | 11.19% | 9.84% | 2.37% | +458 bps | |
| Loan Growth (YoY) | -10.25% | -23.23% | -25.08% | -21.94% | -20.92% | -1,067 bps | |
| Share Growth (YoY) | -1.17% | 4.20% | 14.17% | 11.76% | 3.90% | +507 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 1.51% | 1.28% | 1.89% | 1.24% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 1.07% | 1.21% | 0.88% | 1.06% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.09% | 10.47% | 10.15% | 9.64% | 9.48% | -162 bps | |
| Net Worth / Assets | 11.09% | 10.47% | 10.15% | 9.64% | 9.48% | -162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.66% | 46.67% | 43.29% | 40.91% | 43.13% | -1,353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |