Newport News, VA · Charter 62418
NCUA · 1 branch
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.28% | -0.57% | -0.50% | -1.13% | -1.23% | -1.47% | -13.51% | -1,301 bps | |
| Return on Equity | -0.97% | -1.51% | -3.03% | -2.79% | -7.07% | -7.86% | -9.27% | -108.22% | -10,542 bps | |
| Net Interest Margin | 4.22% | 4.44% | 4.54% | 3.65% | 2.75% | 2.76% | 2.79% | 2.36% | -129 bps | |
| Efficiency Ratio | 103.23% | 103.48% | 104.88% | 110.73% | 133.26% | 135.99% | 141.97% | 527% | +41,659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.39% | -7.75% | -8.21% | -5.34% | 1.65% | 8.46% | 7.26% | 3.40% | +874 bps | |
| Loan Growth (YoY) | -7.61% | -3.59% | 0.81% | -3.74% | -10.45% | -15.81% | -22.38% | -20.48% | -1,674 bps | |
| Share Growth (YoY) | -7.51% | -8.77% | -9.36% | -5.65% | 2.88% | 11.84% | 11.11% | 9.84% | +1,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.83% | 0.27% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.64% | 0.65% | 0.71% | 0.63% | 0.64% | 0.64% | 0.68% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.23% | 18.30% | 18.64% | 17.79% | 15.97% | 15.61% | 15.91% | 12.48% | -531 bps | |
| Net Worth / Assets | 17.23% | 18.30% | 18.64% | 17.79% | 15.97% | 15.61% | 15.91% | 12.48% | -531 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.80% | 58.69% | 61.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |