Richmond, VA · Charter 60012
NCUA · 1 branch
Q1 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.94% | -2.15% | -2.00% | -2.01% | -2.05% | -11 bps | |
| Return on Equity | -29.03% | -34.32% | -32.93% | -35.72% | -41.98% | -1,295 bps | |
| Net Interest Margin | 3.27% | 3.28% | 3.50% | 3.57% | 3.39% | +11 bps | |
| Efficiency Ratio | 150.76% | 152.56% | 147.78% | 147.82% | 155.19% | +443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.75% | -1.08% | -2.15% | -4.65% | -2.35% | +40 bps | |
| Loan Growth (YoY) | -8.91% | -4.98% | -6.96% | -5.85% | -6.03% | +288 bps | |
| Share Growth (YoY) | -1.18% | 0.91% | -0.17% | -2.94% | -0.47% | +72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.00% | 0.50% | 0.57% | 0.65% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.14% | 0.15% | 0.15% | 0.18% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.68% | 6.26% | 6.07% | 5.63% | 4.89% | -179 bps | |
| Net Worth / Assets | 6.68% | 6.26% | 6.07% | 5.63% | 4.89% | -179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.03% | 48.43% | 48.97% | 48.27% | 44.40% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |