Winchester, VA · Charter 20814
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Winchester, VA · Charter 20814
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.11% | -1.41% | -0.91% | -9.70% | -968 bps | |
| Return on Equity | -0.32% | 1.58% | -21.65% | -14.12% | -453% | -45,250 bps | |
| Net Interest Margin | 4.67% | 4.53% | 3.96% | 4.26% | 4.29% | -38 bps | |
| Efficiency Ratio | 93.76% | 92.03% | 135.47% | 116.41% | 150.79% | +5,703 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.49% | -3.13% | 7.54% | -0.07% | -2.51% | +598 bps | |
| Loan Growth (YoY) | -0.32% | 4.31% | 5.21% | 2.24% | -8.48% | -816 bps | |
| Share Growth (YoY) | -7.83% | -3.63% | 8.96% | 1.42% | 0.43% | +826 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.57% | 2.28% | 8.17% | 12.79% | 10.52% | +795 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.39% | 0.47% | 0.55% | 0.98% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.14% | 7.04% | 6.49% | 6.48% | 2.14% | -500 bps | |
| Net Worth / Assets | 7.14% | 7.04% | 6.49% | 6.48% | 2.14% | -500 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.61% | 93.45% | 89.40% | 89.12% | 84.40% | -821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |