Martinsville,, VA · Charter 66891
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.06% | -2.86% | -0.84% | -1.30% | -1.45% | -39 bps | |
| Return on Equity | -8.13% | -22.80% | -6.94% | -11.14% | -12.75% | -461 bps | |
| Net Interest Margin | 2.79% | 2.84% | 3.48% | 2.99% | 2.67% | -11 bps | |
| Efficiency Ratio | 138.03% | 152.77% | 123.87% | 143.32% | 154.05% | +1,602 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.49% | -22.40% | -21.62% | -15.38% | -9.63% | +686 bps | |
| Loan Growth (YoY) | -25.51% | -32.13% | -21.58% | -32.70% | -23.67% | +184 bps | |
| Share Growth (YoY) | -17.39% | -22.92% | -22.16% | -14.88% | -7.90% | +949 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 33.26% | 38.39% | 0.00% | 10.95% | 22.01% | -1,125 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.28% | 11.74% | 1.66% | 1.98% | 1.89% | -439 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.03% | 12.52% | 12.06% | 11.69% | 11.37% | -166 bps | |
| Net Worth / Assets | 13.03% | 12.52% | 12.06% | 11.69% | 11.37% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.88% | 32.67% | 30.79% | 25.82% | 27.25% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |