Portsmouth, VA · Charter 20639
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.04% | 4.97% | 4.18% | 0.92% | -1.14% | -618 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.00% | 4.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 83.26% | 118.74% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.02% | 0.05% | 5.82% | 2.92% | 5.19% | -783 bps | |
| Loan Growth (YoY) | 1.91% | -4.60% | 6.44% | 14.24% | 11.67% | +976 bps | |
| Share Growth (YoY) | 11.65% | -3.75% | 2.88% | 0.00% | 4.70% | -695 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.26% | 1.48% | 0.55% | 0.57% | 1.26% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.81% | 3.17% | 3.26% | 2.84% | 2.72% | -109 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.75% | 80.40% | 76.88% | 96.63% | 79.73% | +498 bps | |
| Liquid Assets / Assets | 30.41% | 23.17% | 30.16% | 13.43% | 0.00% | -3,041 bps | |