Washington, DC · Charter 263
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.21% | 0.20% | -0.52% | -0.29% | -0.18% | -0.20% | 0.11% | +63 bps | |
| Return on Equity | 3.57% | 3.05% | 2.79% | -7.63% | -4.11% | -2.41% | -2.75% | 1.53% | +915 bps | |
| Net Interest Margin | 3.03% | 3.06% | 3.06% | 2.89% | 2.97% | 3.07% | 3.03% | 2.90% | +1 bps | |
| Efficiency Ratio | 91.80% | 93.37% | 94.18% | 98.39% | 99.71% | 99.23% | 99.26% | 97.19% | -119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.30% | -5.79% | -5.08% | -5.78% | -4.26% | -6.51% | -5.60% | -4.46% | +132 bps | |
| Loan Growth (YoY) | -4.36% | -5.90% | -4.24% | -5.15% | -4.04% | -5.15% | -4.42% | -4.69% | +46 bps | |
| Share Growth (YoY) | -5.29% | -6.59% | -5.63% | -5.89% | -4.21% | -6.38% | -5.32% | -4.28% | +161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 0.95% | 1.33% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.02% | 0.83% | 1.02% | 0.81% | 0.81% | 0.82% | 0.70% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.95% | 7.02% | 7.06% | 6.85% | 7.17% | 7.39% | 7.28% | 7.13% | +29 bps | |
| Net Worth / Assets | 6.95% | 7.02% | 7.06% | 6.85% | 7.17% | 7.39% | 7.28% | 7.13% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.64% | 41.38% | 41.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |