Lynchburg, VA · Charter 23890
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.50% | 2.76% | 5.31% | 1.70% | 2.41% | -309 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 | 3.80% | 4.50% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 53.97% | 49.19% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.92% | 8.04% | 25.63% | 34.93% | -3.55% | -1,047 bps | |
| Loan Growth (YoY) | -12.13% | -17.07% | -10.42% | -20.42% | -27.97% | -1,584 bps | |
| Share Growth (YoY) | 6.32% | 8.68% | 31.40% | 44.12% | -9.11% | -1,543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.92% | 0.93% | 5.94% | 4.93% | +303 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.80% | 6.15% | 5.25% | 4.89% | 5.52% | -27 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 | 93.02% | 91.43% | 73.29% | 67.07% | 73.73% | -1,930 bps | |
| Liquid Assets / Assets | 22.47% | 23.13% | 40.95% | 0.00% | 21.76% | -72 bps | |