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Tidewater Dominion Employees

Norfolk, VA · Charter 2983

NCUA · 2 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Tidewater Dominion Employees

Norfolk, VA · Charter 2983

NCUA · 2 branches

Q3 2016

$8.1MAssets
$2.3MLoans
$7.7MShares
$195KNet 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 -6.94%, down 622 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (-43 bps YoY).
  • Capital: net worth / assets of 2.42%, down 493 bps from a year ago.
  • Funding: loans stand at 30.10% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-6.94%-622 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+20 bps YoY

Efficiency Ratio (YTD, annualized)

290%+16,383 bps YoY

Net Worth / Assets

2.42%-493 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.72%-0.83%-0.39%-0.88%-6.94%-622 bps
Return on Equity-9.85%-10.71%-5.20%-12.25%-287%-27,716 bps
Net Interest Margin2.34%2.53%2.44%2.50%2.54%+20 bps
Efficiency Ratio126.41%127.59%113.29%118.46%290%+16,383 bps
Growth
Asset Growth (YoY)-3.17%-11.16%-14.53%-11.27%-6.49%-332 bps
Loan Growth (YoY)-5.59%-6.06%-1.89%-1.77%-3.64%+195 bps
Share Growth (YoY)-2.62%-11.24%-15.08%-11.40%-3.12%-50 bps
Asset Quality
Delinquent Loans / Loans0.43%0.22%0.00%0.00%0.00%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.66%0.24%0.84%3.12%+251 bps
Capital
Risk-Based Capital7.35%7.73%7.44%7.22%2.42%-493 bps
Net Worth / Assets7.35%7.73%7.44%7.22%2.42%-493 bps
Liquidity & Funding
Loans / Shares30.26%31.67%31.62%31.99%30.10%-16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps