Elkins, WV · Charter 24190
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Elkins, WV · Charter 24190
NCUA · 2 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.22% | -0.19% | 0.01% | 0.01% | 0.02% | 0.08% | 0.08% | +8 bps | |
| Return on Equity | 1.20% | -1.85% | -1.51% | 0.05% | 0.04% | 0.13% | 0.58% | 0.57% | +52 bps | |
| Net Interest Margin | 1.43% | 1.57% | 1.70% | 1.82% | 1.69% | 1.48% | 1.77% | 1.58% | -24 bps | |
| Efficiency Ratio | 83.57% | 106.12% | 104.83% | 93.32% | 92.48% | 89.72% | 87.14% | 88.13% | -519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.67% | 8.74% | 1.33% | -10.84% | -8.73% | -9.87% | -10.94% | -8.77% | +207 bps | |
| Loan Growth (YoY) | 15.15% | -7.93% | 4.25% | -0.70% | 8.30% | 6.77% | -3.00% | -1.84% | -113 bps | |
| Share Growth (YoY) | 7.60% | 10.06% | 1.62% | -10.26% | -9.95% | -11.26% | -12.70% | -10.14% | +11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 4.72% | 12.07% | 11.39% | 9.71% | 9.24% | 0.00% | 1.39% | -1,000 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 | 2.72% | 3.00% | 2.51% | 2.68% | 2.67% | 4.34% | 1.22% | 1.28% | -141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.22% | 11.73% | 12.73% | 12.99% | 13.39% | 13.09% | 14.46% | 14.30% | +131 bps | |
| Net Worth / Assets | 12.22% | 11.73% | 12.73% | 12.99% | 13.39% | 13.09% | 14.46% | 14.30% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.19% | 24.80% | 33.64% | 33.34% | 32.70% | 29.83% | 37.37% | 36.42% | +308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |