Suffolk, VA · Charter 22889
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Suffolk, VA · Charter 22889
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 1.04% | 1.19% | 1.06% | 0.21% | -63 bps | |
| Return on Equity | 11.92% | 13.54% | 15.06% | 12.46% | 2.54% | -938 bps | |
| Net Interest Margin | 5.87% | 6.06% | 5.95% | 6.29% | 5.64% | -23 bps | |
| Efficiency Ratio | 93.69% | 92.93% | 91.21% | 91.23% | 97.10% | +342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.12% | -2.39% | -1.08% | -0.34% | -4.92% | -604 bps | |
| Loan Growth (YoY) | -2.14% | -3.55% | -5.24% | -2.15% | -1.31% | +83 bps | |
| Share Growth (YoY) | 2.24% | -2.40% | -3.12% | -1.72% | -6.05% | -829 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 1.31% | 0.94% | 1.91% | 1.85% | +172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 1.81% | 1.56% | 1.80% | 1.84% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.02% | 7.65% | 7.88% | 8.54% | 8.24% | +122 bps | |
| Net Worth / Assets | 7.02% | 7.65% | 7.88% | 8.54% | 8.24% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.96% | 72.57% | 71.65% | 78.32% | 72.44% | +348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |