Norfolk, VA · Charter 60568
NCUA · 2 branches
Q3 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.03% | 0.03% | -0.01% | 0.02% | 0.03% | 0.03% | 0.03% | +5 bps | |
| Return on Equity | 1.74% | 0.29% | 0.28% | -0.15% | 0.24% | 0.27% | 0.27% | 0.35% | +50 bps | |
| Net Interest Margin | 2.53% | 2.08% | 2.25% | 2.25% | 2.24% | 2.23% | 2.33% | 2.38% | +14 bps | |
| Efficiency Ratio | 85.62% | 98.73% | 98.92% | 103.68% | 101.91% | 99.11% | 99.14% | 98.94% | -474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 4.61% | 3.41% | 1.91% | 1.05% | -0.68% | 2.13% | 0.50% | -140 bps | |
| Loan Growth (YoY) | -16.81% | -19.17% | -23.13% | -20.53% | -18.69% | -18.23% | -12.82% | -12.16% | +837 bps | |
| Share Growth (YoY) | 1.53% | 5.44% | 4.17% | 2.45% | 1.41% | -0.74% | 2.28% | 0.42% | -203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.34% | 10.78% | 9.52% | 10.99% | 11.49% | 11.41% | 12.16% | 12.51% | +153 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 | 2.70% | 2.50% | 2.55% | 1.90% | 2.05% | 1.97% | 1.86% | 1.73% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.35% | 9.12% | 9.57% | 9.30% | 9.28% | 9.21% | 9.39% | 9.29% | -2 bps | |
| Net Worth / Assets | 9.35% | 9.12% | 9.57% | 9.30% | 9.28% | 9.21% | 9.39% | 9.29% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.14% | 31.18% | 30.65% | 28.57% | 27.37% | 25.68% | 26.13% | 24.99% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |