Washington, WV · Charter 22961
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.07% | -1.08% | 3.25% | -2.97% | -340 bps | |
| Return on Equity | 11.44% | 1.88% | -34.68% | 65.86% | -71.30% | -8,274 bps | |
| Net Interest Margin | 2.48% | 2.61% | 2.86% | 2.85% | 4.55% | +207 bps | |
| Efficiency Ratio | 87.85% | 88.41% | 103.37% | 50.23% | 124.10% | +3,625 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.26% | -2.39% | -0.25% | 2.45% | -1.15% | +411 bps | |
| Loan Growth (YoY) | -11.04% | -5.60% | -1.84% | 14.76% | 9.94% | +2,098 bps | |
| Share Growth (YoY) | -3.46% | 1.10% | 2.08% | 1.62% | -0.47% | +300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.60% | 1.36% | 1.00% | 2.74% | 0.66% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.77% | 3.58% | 3.12% | 4.94% | 4.17% | +40 bps | |
| Net Worth / Assets | 3.77% | 3.58% | 3.12% | 4.94% | 4.17% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |