Washington, WV · Charter 22961
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Washington, WV · Charter 22961
NCUA · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.25% | 0.84% | 0.31% | 0.43% | 0.07% | -1.08% | 3.25% | -2.97% | -340 bps | |
| Return on Equity | -94.97% | 23.73% | 8.70% | 11.44% | 1.88% | -34.68% | 65.86% | -71.30% | -8,274 bps | |
| Net Interest Margin | 2.73% | 2.41% | 2.37% | 2.48% | 2.61% | 2.86% | 2.85% | 4.55% | +207 bps | |
| Efficiency Ratio | 90.32% | 74.92% | 90.93% | 87.85% | 88.41% | 103.37% | 50.23% | 124.10% | +3,625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.61% | -7.21% | -3.25% | -5.26% | -2.39% | -0.25% | 2.45% | -1.15% | +411 bps | |
| Loan Growth (YoY) | 9.53% | 5.22% | -12.34% | -11.04% | -5.60% | -1.84% | 14.76% | 9.94% | +2,098 bps | |
| Share Growth (YoY) | -6.33% | -5.11% | 1.12% | -3.46% | 1.10% | 2.08% | 1.62% | -0.47% | +300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.55% | 9.92% | 3.29% | 2.99% | 2.46% | 1.40% | 1.63% | 1.17% | -182 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 | 7.88% | 8.22% | 0.61% | 0.60% | 1.36% | 1.00% | 2.74% | 0.66% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.42% | 3.54% | 3.54% | 3.77% | 3.58% | 3.12% | 4.94% | 4.17% | +40 bps | |
| Net Worth / Assets | 3.42% | 3.54% | 3.54% | 3.77% | 3.58% | 3.12% | 4.94% | 4.17% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.40% | 47.28% | 44.20% | 46.44% | 47.06% | 45.46% | 49.91% | 51.29% | +486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |