Manassas, VA · Charter 20291
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Manassas, VA · Charter 20291
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -2.02% | -3.38% | -0.59% | -0.07% | +74 bps | |
| Return on Equity | -13.43% | -41.00% | -87.37% | -13.21% | -1.46% | +1,197 bps | |
| Net Interest Margin | 2.93% | 3.09% | 3.20% | 3.24% | 3.27% | +34 bps | |
| Efficiency Ratio | 92.00% | 85.79% | 90.18% | 87.32% | 83.84% | -815 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.94% | -0.97% | 0.51% | -3.92% | -5.84% | -390 bps | |
| Loan Growth (YoY) | -20.46% | -18.48% | -23.79% | -11.66% | -13.63% | +683 bps | |
| Share Growth (YoY) | -0.08% | 0.22% | 2.61% | -2.49% | -4.36% | -427 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 1.08% | 1.48% | 1.09% | 1.88% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 2.08% | 2.79% | 2.13% | 1.94% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.00% | 4.94% | 3.87% | 4.50% | 4.79% | -121 bps | |
| Net Worth / Assets | 6.00% | 4.94% | 3.87% | 4.50% | 4.79% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.33% | 76.20% | 69.83% | 68.75% | 66.22% | -711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |