Richmond, VA · Charter 22339
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Richmond, VA · Charter 22339
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 1.88% | 0.53% | -2.85% | 1.32% | +79 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -22.14% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -92.27% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -27.39% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 43.39% | 52.16% | 36.21% | 100.00% | 100.00% | +5,661 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.08% | 15.07% | 14.72% | 38.95% | 117.48% | +10,840 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 | 33.61% | 21.91% | 22.08% | 10.57% | 3.58% | -3,003 bps | |
| Liquid Assets / Assets | 56.57% | 60.84% | 61.24% | 77.26% | 74.73% | +1,816 bps | |