Newport News, VA · Charter 62418
NCUA · 1 branch
Q1 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -1.13% | -1.23% | -1.47% | -13.51% | -1,301 bps | |
| Return on Equity | -2.79% | -7.07% | -7.86% | -9.27% | -108.22% | -10,542 bps | |
| Net Interest Margin | 3.65% | 2.75% | 2.76% | 2.79% | 2.36% | -129 bps | |
| Efficiency Ratio | 110.73% | 133.26% | 135.99% | 141.97% | 527% | +41,659 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.34% | 1.65% | 8.46% | 7.26% | 3.40% | +874 bps | |
| Loan Growth (YoY) | -3.74% | -10.45% | -15.81% | -22.38% | -20.48% | -1,674 bps | |
| Share Growth (YoY) | -5.65% | 2.88% | 11.84% | 11.11% | 9.84% | +1,548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.05% | 0.05% | 0.00% | 0.00% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.63% | 0.64% | 0.64% | 0.68% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.79% | 15.97% | 15.61% | 15.91% | 12.48% | -531 bps | |
| Net Worth / Assets | 17.79% | 15.97% | 15.61% | 15.91% | 12.48% | -531 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.57% | 45.09% | 44.18% | 42.86% | 38.78% | -1,479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |