Norfolk, VA · Charter 24618
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.29% | -9.46% | -8.86% | -18.79% | -17.68% | -1,239 bps | |
| Return on Equity | -48.07% | -121.83% | -180.30% | -490% | n/a | n/a | |
| Net Interest Margin | 2.03% | 2.01% | 2.12% | 2.52% | 3.96% | +192 bps | |
| Efficiency Ratio | 156.52% | 228% | 249% | 560% | 355% | +19,882 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.60% | 5.97% | 15.40% | 11.30% | -20.64% | -1,404 bps | |
| Loan Growth (YoY) | 19.43% | 18.84% | 22.19% | 73.37% | 69.37% | +4,995 bps | |
| Share Growth (YoY) | -6.03% | 12.73% | 29.04% | 23.88% | -10.98% | -494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.79% | 2.21% | 0.56% | 0.14% | 1.67% | -112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.93% | 3.94% | 2.64% | 1.67% | 2.37% | -256 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.01% | 7.77% | 4.92% | 3.84% | -1.03% | -1,203 bps | |
| Net Worth / Assets | 11.01% | 7.77% | 4.92% | 3.84% | -1.03% | -1,203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.60% | 50.88% | 44.84% | 67.83% | 77.24% | +3,664 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |