Virginia Beach, VA · Charter 66586
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | -2.17% | -2.34% | -2.46% | -4.07% | -236 bps | |
| Return on Equity | -21.13% | -28.61% | -32.42% | -38.23% | -78.15% | -5,702 bps | |
| Net Interest Margin | 2.74% | 2.74% | 2.80% | 2.51% | 2.51% | -23 bps | |
| Efficiency Ratio | 141.64% | 149.73% | 150.16% | 139.94% | 193.23% | +5,159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.04% | -3.66% | -7.89% | -8.81% | -6.63% | -359 bps | |
| Loan Growth (YoY) | -34.06% | -35.66% | -28.90% | -22.18% | -19.13% | +1,493 bps | |
| Share Growth (YoY) | 2.26% | -0.56% | -5.31% | -6.96% | -3.63% | -590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.90% | 1.19% | 0.62% | 0.79% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.07% | 1.02% | 1.15% | 1.13% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.10% | 7.59% | 7.23% | 6.44% | 5.21% | -289 bps | |
| Net Worth / Assets | 8.10% | 7.59% | 7.23% | 6.44% | 5.21% | -289 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.47% | 45.51% | 44.29% | 40.59% | 39.84% | -763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |