Washington, DC · Charter 560
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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 560
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -1.37% | -1.64% | -1.70% | -1.79% | -1.21% | -0.76% | -0.99% | +72 bps | |
| Return on Equity | -2.78% | -8.62% | -10.53% | -11.20% | -11.82% | -8.22% | -4.89% | -6.20% | +501 bps | |
| Net Interest Margin | 3.43% | 3.04% | 3.21% | 3.29% | 3.44% | 3.19% | 3.58% | 3.69% | +41 bps | |
| Efficiency Ratio | 127.30% | 144.49% | 132.19% | 127.83% | 124.80% | 134.44% | 129.85% | 132.08% | +425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | 0.38% | -1.20% | -1.82% | -4.57% | -3.55% | -8.21% | -11.42% | -961 bps | |
| Loan Growth (YoY) | -9.35% | -12.61% | -17.60% | -16.35% | -7.92% | -9.85% | -15.47% | -9.31% | +704 bps | |
| Share Growth (YoY) | -1.62% | 1.14% | -0.06% | -0.60% | -3.31% | -2.33% | -8.44% | -12.25% | -1,165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.23% | 0.41% | 0.78% | 0.35% | 0.00% | 0.00% | 0.00% | -78 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 | 0.57% | 0.62% | 0.91% | 1.07% | 1.67% | 1.53% | 1.37% | 1.64% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.14% | 15.85% | 15.59% | 15.20% | 15.12% | 14.71% | 15.60% | 15.90% | +70 bps | |
| Net Worth / Assets | 16.14% | 15.85% | 15.59% | 15.20% | 15.12% | 14.71% | 15.60% | 15.90% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.17% | 48.52% | 48.13% | 47.19% | 49.68% | 44.79% | 44.43% | 48.77% | +158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |