Harrisonburg, VA · Charter 24145
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.18% | 2.42% | 2.03% | 3.26% | 3.26% | +8 bps | |
| Return on Equity | n/a | n/a | n/a | 13.56% | 14.50% | n/a | |
| Net Interest Margin | n/a | 4.57% | 4.17% | 4.98% | 4.66% | n/a | |
| Efficiency Ratio | n/a | 68.59% | 71.19% | 58.95% | 55.75% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.70% | 9.74% | 4.87% | 6.46% | 6.53% | +384 bps | |
| Loan Growth (YoY) | 37.95% | 43.87% | 35.54% | 72.51% | 60.00% | +2,205 bps | |
| Share Growth (YoY) | -1.47% | 6.55% | 1.75% | 1.70% | 1.71% | +318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.43% | 3.55% | 2.42% | 1.80% | 2.32% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 0.33% | 1.32% | 0.76% | 1.20% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 24.07% | 22.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 24.07% | 22.51% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.40% | 75.70% | 67.74% | 110.56% | 91.87% | +3,347 bps | |
| Liquid Assets / Assets | 23.77% | 18.40% | 26.70% | 4.37% | 25.98% | +221 bps | |