Damascus, VA · Charter 23938
NCUA · 1 branch
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.21% | -0.91% | -0.62% | -2.77% | -11.16% | -5.73% | -4.52% | -390 bps | |
| Return on Equity | 2.57% | 2.91% | -12.63% | -9.25% | -55.64% | -333% | -181.29% | -165.62% | -15,636 bps | |
| Net Interest Margin | 7.08% | 6.80% | 6.89% | 6.74% | 7.07% | 6.93% | 6.15% | 6.15% | -59 bps | |
| Efficiency Ratio | 92.80% | 92.40% | 106.92% | 108.42% | 108.48% | 167.64% | 134.53% | 131.46% | +2,304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.64% | 27.48% | 18.74% | 7.76% | 5.68% | -6.06% | -1.90% | -7.83% | -1,559 bps | |
| Loan Growth (YoY) | 16.96% | 14.10% | 12.05% | 6.43% | 5.15% | -0.75% | -11.41% | -11.05% | -1,748 bps | |
| Share Growth (YoY) | 13.66% | 30.25% | 22.48% | 18.29% | 18.12% | -0.41% | 4.50% | -3.65% | -2,194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.04% | 5.52% | 12.24% | 12.90% | 18.28% | 7.61% | 7.56% | 13.78% | +88 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 | 0.77% | 0.87% | 0.96% | 0.83% | 2.38% | 0.78% | 0.84% | 1.00% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.18% | 7.20% | 7.22% | 6.67% | 4.97% | 3.35% | 3.16% | 2.73% | -395 bps | |
| Net Worth / Assets | 8.18% | 7.20% | 7.22% | 6.67% | 4.97% | 3.35% | 3.16% | 2.73% | -395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.51% | 87.42% | 94.03% | 87.73% | 91.25% | 87.12% | 79.72% | 80.99% | -674 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |