Waynesboro, VA · Charter 66893
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.75% | -0.45% | -0.44% | -4.84% | -439 bps | |
| Return on Equity | -5.60% | -9.42% | -5.79% | -5.61% | -140.56% | -13,496 bps | |
| Net Interest Margin | 5.05% | 4.54% | 4.25% | 4.31% | 4.24% | -81 bps | |
| Efficiency Ratio | 86.33% | 90.28% | 96.61% | 100.27% | 148.72% | +6,239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.28% | -9.36% | -0.17% | -1.92% | -2.20% | +1,609 bps | |
| Loan Growth (YoY) | -15.91% | -13.20% | -12.22% | -15.29% | -18.46% | -255 bps | |
| Share Growth (YoY) | -19.29% | -9.54% | 0.19% | -1.47% | 1.21% | +2,051 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.46% | 2.83% | 2.60% | 1.84% | 3.62% | +116 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 7.97% | 7.70% | 7.86% | 3.45% | -466 bps | |
| Net Worth / Assets | 8.11% | 7.97% | 7.70% | 7.86% | 3.45% | -466 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |