Richmond, VA · Charter 24716
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.31% | 0.29% | 0.58% | 0.80% | +33 bps | |
| Return on Equity | 3.76% | 2.59% | 2.59% | 4.81% | 6.50% | +274 bps | |
| Net Interest Margin | 3.76% | 3.56% | 3.16% | 3.71% | 3.67% | -9 bps | |
| Efficiency Ratio | 75.26% | 77.45% | 77.41% | 75.37% | 74.62% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 3.60% | 6.93% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 7.01% | 10.22% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 3.48% | 1.34% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 2.33% | 2.28% | 1.58% | 1.16% | -150 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.27% | 1.21% | 1.17% | 0.94% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.49% | 12.09% | 11.07% | 12.01% | 12.33% | -17 bps | |
| Net Worth / Assets | 12.49% | 12.09% | 11.07% | 12.01% | 12.33% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.21% | 76.09% | 69.48% | 76.41% | 85.06% | +685 bps | |
| Liquid Assets / Assets | 23.22% | 28.23% | 34.01% | 28.71% | 25.67% | +245 bps | |