Washington, DC · Charter 2942
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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 2942
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.50% | 0.53% | 0.47% | -4.59% | -510 bps | |
| Return on Equity | 6.12% | 5.74% | 5.97% | 5.16% | -57.16% | -6,329 bps | |
| Net Interest Margin | 3.89% | 4.04% | 4.10% | 4.15% | 4.06% | +17 bps | |
| Efficiency Ratio | 81.53% | 82.52% | 81.77% | 79.17% | 77.93% | -360 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.83% | -4.40% | -3.65% | -2.38% | -6.63% | -580 bps | |
| Loan Growth (YoY) | -2.33% | -5.29% | -4.39% | -5.05% | -6.03% | -370 bps | |
| Share Growth (YoY) | 0.59% | -3.81% | -3.78% | -0.76% | -6.47% | -706 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 2.48% | 6.95% | 6.11% | 5.49% | +225 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.04% | 3.38% | 3.04% | 3.47% | 4.83% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.26% | 8.67% | 8.96% | 9.10% | 8.04% | -22 bps | |
| Net Worth / Assets | 8.26% | 8.67% | 8.96% | 9.10% | 8.04% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.19% | 42.81% | 43.60% | 43.89% | 42.39% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |