Charleston, WV · Charter 3488
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charleston, WV · Charter 3488
NCUA · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.39% | 2.96% | 0.66% | 1.13% | 1.65% | 1.62% | 17.85% | 8.07% | +694 bps | |
| Return on Equity | 9.72% | 11.45% | 2.81% | 4.74% | 6.45% | 6.34% | 46.43% | 17.96% | +1,322 bps | |
| Net Interest Margin | 5.38% | 6.23% | 6.32% | 6.99% | 7.33% | 6.57% | 47.12% | 8.26% | +128 bps | |
| Efficiency Ratio | 34.29% | 29.55% | 60.82% | 57.77% | 51.64% | 54.06% | 45.22% | 2.36% | -5,541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.97% | -4.18% | 4.46% | 0.91% | -1.10% | 8.06% | -31.61% | -39.24% | -4,015 bps | |
| Loan Growth (YoY) | 24.90% | 30.06% | 17.70% | 1.22% | -6.24% | -18.66% | -30.19% | -35.20% | -3,642 bps | |
| Share Growth (YoY) | -6.76% | -7.20% | 4.26% | 0.32% | 2.99% | 8.51% | -45.04% | -52.09% | -5,241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.97% | 7.23% | 12.73% | 0.00% | 0.00% | 4.58% | 6.07% | 15.95% | +1,595 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 | 1.24% | 2.09% | 3.40% | 1.53% | 2.48% | 2.72% | 3.60% | 3.83% | +230 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.54% | 25.84% | 23.41% | 23.83% | 25.50% | 25.53% | 38.45% | 44.92% | +2,109 bps | |
| Net Worth / Assets | 24.54% | 25.84% | 23.41% | 23.83% | 25.50% | 25.53% | 38.45% | 44.92% | +2,109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.27% | 75.28% | 57.65% | 58.80% | 59.42% | 56.43% | 73.23% | 79.54% | +2,074 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |