Waynesboro, VA · Charter 66893
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Waynesboro, VA · Charter 66893
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.59% | -0.33% | -0.45% | -0.75% | -0.45% | -0.44% | -4.84% | -439 bps | |
| Return on Equity | 0.43% | -7.32% | -4.01% | -5.60% | -9.42% | -5.79% | -5.61% | -140.56% | -13,496 bps | |
| Net Interest Margin | 4.83% | 5.08% | 5.10% | 5.05% | 4.54% | 4.25% | 4.31% | 4.24% | -81 bps | |
| Efficiency Ratio | 83.72% | 83.24% | 85.40% | 86.33% | 90.28% | 96.61% | 100.27% | 148.72% | +6,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.21% | -15.67% | -15.91% | -18.28% | -9.36% | -0.17% | -1.92% | -2.20% | +1,609 bps | |
| Loan Growth (YoY) | -12.41% | -15.09% | -20.14% | -15.91% | -13.20% | -12.22% | -15.29% | -18.46% | -255 bps | |
| Share Growth (YoY) | -12.05% | -15.61% | -16.78% | -19.29% | -9.54% | 0.19% | -1.47% | 1.21% | +2,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.86% | 4.32% | 5.10% | 3.17% | 3.35% | 4.42% | 2.40% | 4.33% | +116 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 | 2.21% | 2.47% | 2.34% | 2.46% | 2.83% | 2.60% | 1.84% | 3.62% | +116 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.82% | 8.06% | 8.23% | 8.11% | 7.97% | 7.70% | 7.86% | 3.45% | -466 bps | |
| Net Worth / Assets | 7.82% | 8.06% | 8.23% | 8.11% | 7.97% | 7.70% | 7.86% | 3.45% | -466 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.84% | 77.20% | 75.87% | 73.17% | 71.81% | 67.64% | 65.23% | 58.95% | -1,422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |