Washington, DC · Charter 4538
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Washington, DC · Charter 4538
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.16% | 0.24% | 0.23% | -22.84% | -2,297 bps | |
| Return on Equity | 1.71% | 2.27% | 3.25% | 3.04% | -1016% | -101,792 bps | |
| Net Interest Margin | 3.86% | 3.52% | 3.46% | 3.58% | 3.58% | -28 bps | |
| Efficiency Ratio | 81.40% | 85.20% | 85.81% | 87.17% | 591% | +50,980 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | 6.74% | 4.55% | -2.85% | -1.64% | -425 bps | |
| Loan Growth (YoY) | -8.61% | -15.52% | -23.67% | -17.99% | -24.13% | -1,552 bps | |
| Share Growth (YoY) | 2.50% | 7.54% | 5.17% | -2.96% | 2.60% | +11 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 2.63% | 4.24% | 5.48% | 1.42% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.88% | 0.92% | 0.99% | 5.82% | +518 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.62% | 7.23% | 7.32% | 7.63% | 2.25% | -537 bps | |
| Net Worth / Assets | 7.62% | 7.23% | 7.32% | 7.63% | 2.25% | -537 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.40% | 40.43% | 37.69% | 40.44% | 35.05% | -1,235 bps | |
| Liquid Assets / Assets | 32.99% | 38.80% | 40.60% | 41.69% | 65.31% | +3,231 bps | |