Washington, DC · Charter 263
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Washington, DC · Charter 263
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.29% | -0.18% | -0.20% | 0.11% | +63 bps | |
| Return on Equity | -7.63% | -4.11% | -2.41% | -2.75% | 1.53% | +915 bps | |
| Net Interest Margin | 2.89% | 2.97% | 3.07% | 3.03% | 2.90% | +1 bps | |
| Efficiency Ratio | 98.39% | 99.71% | 99.23% | 99.26% | 97.19% | -119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.78% | -4.26% | -6.51% | -5.60% | -4.46% | +132 bps | |
| Loan Growth (YoY) | -5.15% | -4.04% | -5.15% | -4.42% | -4.69% | +46 bps | |
| Share Growth (YoY) | -5.89% | -4.21% | -6.38% | -5.32% | -4.28% | +161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.35% | 1.46% | 1.40% | 1.40% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.81% | 0.81% | 0.82% | 0.70% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.85% | 7.17% | 7.39% | 7.28% | 7.13% | +29 bps | |
| Net Worth / Assets | 6.85% | 7.17% | 7.39% | 7.28% | 7.13% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.59% | 41.72% | 41.93% | 42.06% | 39.42% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |