Alexandria, VA · Charter 24466
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Alexandria, VA · Charter 24466
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 0.95% | 2.45% | 2.22% | 1.32% | -29 bps | |
| Return on Equity | 9.98% | 5.32% | 14.74% | 11.98% | 8.01% | -197 bps | |
| Net Interest Margin | 3.48% | 3.24% | 3.80% | 3.44% | 2.40% | -109 bps | |
| Efficiency Ratio | 44.24% | 71.37% | 40.25% | 40.64% | 54.81% | +1,057 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.70% | 18.22% | 40.11% | 19.29% | 6.65% | -1,504 bps | |
| Loan Growth (YoY) | 0.54% | 30.12% | 17.17% | 8.01% | 25.94% | +2,540 bps | |
| Share Growth (YoY) | 23.45% | 20.26% | 47.61% | 22.45% | 6.35% | -1,710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.72% | 0.80% | 1.21% | 1.08% | +58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.59% | 0.67% | 0.71% | 0.60% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 17.90% | 16.61% | 18.50% | 16.52% | +32 bps | |
| Net Worth / Assets | 16.21% | 17.90% | 16.61% | 18.50% | 16.52% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.76% | 82.37% | 63.31% | 66.74% | 69.59% | +1,082 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |