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
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 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.01% | -0.54% | 0.84% | 1.04% | 1.19% | 1.06% | 0.21% | -63 bps | |
| Return on Equity | 0.45% | -0.16% | -7.19% | 11.92% | 13.54% | 15.06% | 12.46% | 2.54% | -938 bps | |
| Net Interest Margin | 6.59% | 6.25% | 6.74% | 5.87% | 6.06% | 5.95% | 6.29% | 5.64% | -23 bps | |
| Efficiency Ratio | 96.57% | 95.78% | 93.29% | 93.69% | 92.93% | 91.21% | 91.23% | 97.10% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 6.35% | -0.21% | 1.12% | -2.39% | -1.08% | -0.34% | -4.92% | -604 bps | |
| Loan Growth (YoY) | -3.84% | -4.92% | -6.68% | -2.14% | -3.55% | -5.24% | -2.15% | -1.31% | +83 bps | |
| Share Growth (YoY) | 5.90% | 7.27% | 0.57% | 2.24% | -2.40% | -3.12% | -1.72% | -6.05% | -829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 2.10% | 1.91% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.78% | 1.76% | 1.88% | 1.81% | 1.56% | 1.80% | 1.84% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.48% | 7.40% | 7.45% | 7.02% | 7.65% | 7.88% | 8.54% | 8.24% | +122 bps | |
| Net Worth / Assets | 7.48% | 7.40% | 7.45% | 7.02% | 7.65% | 7.88% | 8.54% | 8.24% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.43% | 73.25% | 78.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |