Charleston, WV · Charter 3488
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.65% | 1.62% | 17.85% | 8.07% | +694 bps | |
| Return on Equity | 4.74% | 6.45% | 6.34% | 46.43% | 17.96% | +1,322 bps | |
| Net Interest Margin | 6.99% | 7.33% | 6.57% | 47.12% | 8.26% | +128 bps | |
| Efficiency Ratio | 57.77% | 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 / Loans | 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 |
| Allowance / Loans | 1.53% | 2.48% | 2.72% | 3.60% | 3.83% | +230 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.83% | 25.50% | 25.53% | 38.45% | 44.92% | +2,109 bps | |
| Net Worth / Assets | 23.83% | 25.50% | 25.53% | 38.45% | 44.92% | +2,109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |