Richmond, VA · Charter 21300
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 | 2.85% | -3.72% | 0.10% | 0.42% | -1.12% | -398 bps | |
| Return on Equity | 13.88% | -18.26% | 0.68% | 5.20% | -12.75% | -2,663 bps | |
| Net Interest Margin | 3.46% | 4.11% | 3.49% | 4.07% | 3.69% | +23 bps | |
| Efficiency Ratio | 45.26% | 172.07% | 97.56% | 91.49% | 125.16% | +7,990 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.59% | -19.13% | -11.80% | -21.66% | -38.30% | -3,170 bps | |
| Loan Growth (YoY) | -37.51% | -41.33% | -52.28% | -52.39% | -51.76% | -1,425 bps | |
| Share Growth (YoY) | -10.80% | -22.87% | -6.30% | -7.31% | -28.71% | -1,791 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.21% | 10.01% | 36.78% | 41.02% | 35.12% | +2,991 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.73% | 3.82% | 4.42% | 4.72% | +327 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.56% | 20.35% | 15.41% | 8.15% | 8.81% | -1,175 bps | |
| Net Worth / Assets | 20.56% | 20.35% | 15.41% | 8.15% | 8.81% | -1,175 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.02% | 62.22% | 41.59% | 37.77% | 41.29% | -1,973 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |