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Valley Bell

Charleston, WV · Charter 3488

NCUA · 1 branch

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

Valley Bell

Charleston, WV · Charter 3488

NCUA · 1 branch

Q2 2017

$160KAssets
$76KLoans
$96KShares
$72KNet 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 8.07%, up 694 bps year over year; NIM at 8.26%.
  • Asset quality: problem loans at 15.95% of loans (+1,595 bps YoY).
  • Capital: net worth / assets of 44.92%, up 2,109 bps from a year ago.
  • Funding: loans stand at 79.54% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

8.07%+694 bps YoY

Net Interest Margin (YTD, annualized)

8.26%+128 bps YoY

Efficiency Ratio (YTD, annualized)

2.36%-5,541 bps YoY

Net Worth / Assets

44.92%+2,109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.13%1.65%1.62%17.85%8.07%+694 bps
Return on Equity4.74%6.45%6.34%46.43%17.96%+1,322 bps
Net Interest Margin6.99%7.33%6.57%47.12%8.26%+128 bps
Efficiency Ratio57.77%51.64%54.06%45.22%2.36%-5,541 bps
Growth
Asset Growth (YoY)0.91%-1.10%8.06%-31.61%-39.24%-4,015 bps
Loan Growth (YoY)1.22%-6.24%-18.66%-30.19%-35.20%-3,642 bps
Share Growth (YoY)0.32%2.99%8.51%-45.04%-52.09%-5,241 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%4.58%6.07%15.95%+1,595 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.53%2.48%2.72%3.60%3.83%+230 bps
Capital
Risk-Based Capital23.83%25.50%25.53%38.45%44.92%+2,109 bps
Net Worth / Assets23.83%25.50%25.53%38.45%44.92%+2,109 bps
Liquidity & Funding
Loans / Shares58.80%59.42%56.43%73.23%79.54%+2,074 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps