Norfolk, VA · Charter 2983
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Norfolk, VA · Charter 2983
NCUA · 2 branches
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.36% | -0.74% | -0.77% | -0.72% | -0.83% | -0.39% | -0.88% | -6.94% | -622 bps | |
| Return on Equity | -17.95% | -10.60% | -10.83% | -9.85% | -10.71% | -5.20% | -12.25% | -287% | -27,716 bps | |
| Net Interest Margin | 2.11% | 2.05% | 2.20% | 2.34% | 2.53% | 2.44% | 2.50% | 2.54% | +20 bps | |
| Efficiency Ratio | 147.71% | 129.45% | 130.46% | 126.41% | 127.59% | 113.29% | 118.46% | 290% | +16,383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.13% | 0.20% | -3.33% | -3.17% | -11.16% | -14.53% | -11.27% | -6.49% | -332 bps | |
| Loan Growth (YoY) | -10.08% | -7.15% | -8.62% | -5.59% | -6.06% | -1.89% | -1.77% | -3.64% | +195 bps | |
| Share Growth (YoY) | 0.24% | 1.60% | -2.55% | -2.62% | -11.24% | -15.08% | -11.40% | -3.12% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.31% | 0.67% | 0.43% | 0.22% | 0.00% | 0.00% | 0.00% | -43 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 | 0.61% | 0.74% | 0.69% | 0.62% | 0.66% | 0.24% | 0.84% | 3.12% | +251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.60% | 6.95% | 7.14% | 7.35% | 7.73% | 7.44% | 7.22% | 2.42% | -493 bps | |
| Net Worth / Assets | 7.60% | 6.95% | 7.14% | 7.35% | 7.73% | 7.44% | 7.22% | 2.42% | -493 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.93% | 27.37% | 28.86% | 30.26% | 31.67% | 31.62% | 31.99% | 30.10% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |