Norfolk, VA · Charter 24610
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.74% | -5.29% | -10.07% | -11.03% | -5.08% | +366 bps | |
| Return on Equity | -84.28% | -52.60% | -111.57% | -145.92% | -81.72% | +257 bps | |
| Net Interest Margin | 2.73% | 2.56% | 3.41% | 3.71% | 2.94% | +21 bps | |
| Efficiency Ratio | 313% | 173.14% | 174.45% | 191.89% | 200% | -11,305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.26% | -12.55% | -26.44% | -39.10% | -30.55% | -1,429 bps | |
| Loan Growth (YoY) | -41.05% | -40.24% | -42.42% | -39.17% | -20.50% | +2,055 bps | |
| Share Growth (YoY) | -9.06% | -4.31% | -17.43% | -31.27% | -26.62% | -1,756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.92% | 10.91% | 7.92% | 1.83% | 1.89% | -1,202 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.60% | 2.71% | 9.52% | 10.39% | 12.20% | +561 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.37% | 10.06% | 9.02% | 7.56% | 6.22% | -415 bps | |
| Net Worth / Assets | 10.37% | 10.06% | 9.02% | 7.56% | 6.22% | -415 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.91% | 23.35% | 29.24% | 30.89% | 25.91% | +199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |