Woodbridge, VA · Charter 5356
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Woodbridge, VA · Charter 5356
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.39% | 0.39% | 0.20% | 0.25% | 0.33% | 0.32% | -0.12% | -32 bps | |
| Return on Equity | 4.56% | 4.78% | 4.76% | 2.49% | 3.13% | 3.95% | 3.78% | -1.51% | -400 bps | |
| Net Interest Margin | 2.88% | 2.95% | 2.96% | 2.92% | 2.96% | 3.08% | 3.09% | 3.06% | +14 bps | |
| Efficiency Ratio | 84.92% | 84.69% | 84.78% | 89.28% | 88.22% | 86.87% | 87.21% | 105.21% | +1,592 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | 2.97% | 2.57% | 4.36% | 1.75% | 1.14% | 1.74% | 1.88% | -248 bps | |
| Loan Growth (YoY) | 10.61% | 7.93% | 8.46% | 7.25% | 5.30% | 5.51% | 5.17% | 0.16% | -709 bps | |
| Share Growth (YoY) | 0.88% | 3.37% | 2.29% | 4.58% | 2.13% | 0.68% | 1.59% | 1.62% | -295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.65% | 0.82% | 0.50% | 0.76% | 1.02% | 0.92% | 0.77% | +27 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% | 0.62% | 0.62% | 0.60% | 0.60% | 0.60% | 0.58% | 0.49% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.89% | 8.09% | 8.16% | 8.00% | 8.09% | 8.35% | 8.34% | 8.08% | +8 bps | |
| Net Worth / Assets | 7.89% | 8.09% | 8.16% | 8.00% | 8.09% | 8.35% | 8.34% | 8.08% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.79% | 78.57% | 79.76% | 78.00% | 79.17% | 82.34% | 82.58% | 76.88% | -112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.49% | 0.00% | 0 bps | |