Richmond, VA · Charter 60111
NCUA · 1 branch
Q2 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.26% | -7.27% | -7.37% | -7.84% | -15.54% | -928 bps | |
| Return on Equity | -47.14% | -59.40% | -64.49% | -75.35% | -207% | -15,974 bps | |
| Net Interest Margin | 7.31% | 8.13% | 8.86% | 8.95% | 10.79% | +348 bps | |
| Efficiency Ratio | 172.05% | 169.26% | 166.93% | 174.97% | 226% | +5,436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.82% | -26.10% | -29.22% | -15.46% | -34.75% | -1,393 bps | |
| Loan Growth (YoY) | -0.16% | 2.55% | -3.13% | 0.26% | -16.25% | -1,609 bps | |
| Share Growth (YoY) | -19.27% | -23.86% | -27.90% | -9.40% | -32.26% | -1,299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.83% | 1.18% | 1.05% | 1.07% | 1.02% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.27% | 12.23% | 11.43% | 10.40% | 7.51% | -576 bps | |
| Net Worth / Assets | 13.27% | 12.23% | 11.43% | 10.40% | 7.51% | -576 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |