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Richmond Transit

Richmond, VA · Charter 2653

Q1 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Richmond Transit

Richmond, VA · Charter 2653

Q1 2006

$848KAssets
$608KLoans
$540KShares
$303KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.44%, down 374 bps year over year; NIM at 6.65%.
  • Asset quality: problem loans at 0.38% of loans (+38 bps YoY).
  • Capital: net worth / assets of 35.79%, up 565 bps from a year ago.
  • Funding: loans stand at 112.63% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-5.44%-374 bps YoY

Net Interest Margin (YTD, annualized)

6.65%+224 bps YoY

Efficiency Ratio (YTD, annualized)

174.91%+4,107 bps YoY

Net Worth / Assets

35.79%+565 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-1.70%-1.53%-1.52%-4.73%-5.44%-374 bps
Return on Equity-5.64%-5.32%-5.05%-14.63%-15.19%-955 bps
Net Interest Margin4.41%4.37%4.88%5.79%6.65%+224 bps
Efficiency Ratio133.84%131.47%128.39%174.90%174.91%+4,107 bps
Growth
Asset Growth (YoY)-11.20%-1.98%-7.73%-17.37%-28.22%-1,702 bps
Loan Growth (YoY)-12.81%19.66%11.84%22.70%25.26%+3,807 bps
Share Growth (YoY)-13.32%-5.45%-8.87%-19.43%-34.19%-2,088 bps
Asset Quality
Delinquent Loans / Loans0.00%1.29%1.09%0.30%0.38%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.07%6.20%5.60%5.80%6.07%-200 bps
Capital
Risk-Based Capital30.14%28.80%30.18%32.34%35.79%+565 bps
Net Worth / Assets30.14%28.80%30.18%32.34%35.79%+565 bps
Liquidity & Funding
Loans / Shares59.17%81.14%79.72%97.33%112.63%+5,346 bps
Liquid Assets / Assets59.52%46.67%44.97%35.58%29.42%-3,009 bps