Nassawadox, VA · Charter 20011
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.81% | -0.15% | -0.09% | -0.07% | -5.99% | -218 bps | |
| Return on Equity | -21.22% | -0.86% | -0.51% | -0.39% | -35.76% | -1,454 bps | |
| Net Interest Margin | 5.40% | 5.21% | 5.17% | 5.80% | 5.11% | -29 bps | |
| Efficiency Ratio | 87.59% | 68.27% | 74.46% | 77.25% | 98.31% | +1,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.08% | 3.06% | 3.44% | 3.72% | 1.16% | -693 bps | |
| Loan Growth (YoY) | -5.82% | 7.00% | 3.72% | 5.12% | 10.55% | +1,637 bps | |
| Share Growth (YoY) | 10.25% | 3.43% | 4.03% | 5.71% | 3.64% | -661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.40% | 3.82% | 5.62% | 6.21% | 2.83% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.35% | 1.49% | 1.80% | 2.48% | +149 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.96% | 18.02% | 17.30% | 18.99% | 16.74% | -122 bps | |
| Net Worth / Assets | 17.96% | 18.02% | 17.30% | 18.99% | 16.74% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.94% | 61.26% | 58.16% | 69.00% | 65.00% | +406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |