Richmond, VA · Charter 60012
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.29% | -1.39% | -1.53% | -1.94% | -2.15% | -2.00% | -2.01% | -2.05% | -11 bps | |
| Return on Equity | -15.85% | -17.48% | -21.05% | -29.03% | -34.32% | -32.93% | -35.72% | -41.98% | -1,295 bps | |
| Net Interest Margin | 3.66% | 3.70% | 3.60% | 3.27% | 3.28% | 3.50% | 3.57% | 3.39% | +11 bps | |
| Efficiency Ratio | 131.91% | 133.68% | 138.21% | 150.76% | 152.56% | 147.78% | 147.82% | 155.19% | +443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | -6.14% | -2.77% | -2.75% | -1.08% | -2.15% | -4.65% | -2.35% | +40 bps | |
| Loan Growth (YoY) | -10.15% | -11.28% | -11.45% | -8.91% | -4.98% | -6.96% | -5.85% | -6.03% | +288 bps | |
| Share Growth (YoY) | 1.69% | -5.39% | -1.40% | -1.18% | 0.91% | -0.17% | -2.94% | -0.47% | +72 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.27% | 0.23% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.03% | 0.01% | 0.08% | 0.14% | 0.15% | 0.15% | 0.18% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.14% | 7.93% | 7.29% | 6.68% | 6.26% | 6.07% | 5.63% | 4.89% | -179 bps | |
| Net Worth / Assets | 8.14% | 7.93% | 7.29% | 6.68% | 6.26% | 6.07% | 5.63% | 4.89% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.43% | 52.54% | 49.76% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |