Richmond, VA · Charter 60111
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Richmond, VA · Charter 60111
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.87% | -4.95% | -6.27% | -6.26% | -7.27% | -7.37% | -7.84% | -15.54% | -928 bps | |
| Return on Equity | -34.11% | -37.21% | -40.18% | -47.14% | -59.40% | -64.49% | -75.35% | -207% | -15,974 bps | |
| Net Interest Margin | 5.47% | 5.68% | 7.70% | 7.31% | 8.13% | 8.86% | 8.95% | 10.79% | +348 bps | |
| Efficiency Ratio | 160.62% | 163.76% | 169.52% | 172.05% | 169.26% | 166.93% | 174.97% | 226% | +5,436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -3.18% | -27.13% | -20.82% | -26.10% | -29.22% | -15.46% | -34.75% | -1,393 bps | |
| Loan Growth (YoY) | 8.71% | 8.54% | 2.63% | -0.16% | 2.55% | -3.13% | 0.26% | -16.25% | -1,609 bps | |
| Share Growth (YoY) | 1.91% | 3.10% | -26.95% | -19.27% | -23.86% | -27.90% | -9.40% | -32.26% | -1,299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 1.09% | 1.76% | 1.96% | 3.47% | 3.30% | 6.71% | 3.63% | +167 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 | 1.35% | 0.80% | 0.82% | 0.83% | 1.18% | 1.05% | 1.07% | 1.02% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.28% | 13.31% | 15.62% | 13.27% | 12.23% | 11.43% | 10.40% | 7.51% | -576 bps | |
| Net Worth / Assets | 14.28% | 13.31% | 15.62% | 13.27% | 12.23% | 11.43% | 10.40% | 7.51% | -576 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.82% | 51.25% | 65.14% | 62.89% | 68.45% | 68.85% | 72.09% | 77.75% | +1,486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |