Danville, VA · Charter 5919
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.01% | -0.25% | -0.11% | -0.01% | -0.03% | 0.01% | -1.20% | -109 bps | |
| Return on Equity | -0.47% | -0.07% | -1.17% | -0.51% | -0.04% | -0.14% | 0.06% | -5.70% | -519 bps | |
| Net Interest Margin | 1.90% | 1.95% | 1.99% | 2.04% | 2.11% | 2.17% | 2.17% | 1.62% | -42 bps | |
| Efficiency Ratio | 102.91% | 100.64% | 104.98% | 100.77% | 100.94% | 101.21% | 100.86% | 164.90% | +6,413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 1.26% | 1.64% | 2.38% | 2.41% | 2.04% | 0.34% | -2.29% | -467 bps | |
| Loan Growth (YoY) | 1.98% | 2.73% | 6.08% | 9.59% | 10.31% | 10.13% | 4.80% | 0.44% | -915 bps | |
| Share Growth (YoY) | 1.05% | 1.70% | 2.30% | 3.32% | 3.12% | 2.62% | 0.30% | -2.03% | -535 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.59% | 0.10% | 0.05% | 0.42% | 0.03% | 0.18% | 0.26% | +21 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 | 0.44% | 0.46% | 0.59% | 0.57% | 0.29% | 0.28% | 0.21% | 0.22% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.22% | 21.75% | 21.64% | 21.40% | 21.69% | 21.31% | 21.69% | 21.08% | -32 bps | |
| Net Worth / Assets | 22.22% | 21.75% | 21.64% | 21.40% | 21.69% | 21.31% | 21.69% | 21.08% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.54% | 36.82% | 39.01% | 39.88% | 41.23% | 39.52% | 40.76% | 40.88% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |