PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hampton Roads Postal CU, Inc.

Hampton, VA · Charter 66894

Q2 2014

$2.8MAssets
$1.4MLoans
$2.7MShares
$97KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.72%, down 560 bps year over year; NIM at 5.60%.
  • Asset quality: problem loans at 4.05% of loans (-327 bps YoY).
  • Capital: net worth / assets of 3.40%, down 241 bps from a year ago.
  • Funding: loans stand at 52.87% of shares as of Q2 2014.

Financial Results

Return on Assets (quarter, annualized)

-6.72%-560 bps YoY

Net Interest Margin (quarter, annualized)

5.60%-1 bps YoY

Efficiency Ratio (quarter, annualized)

150.94%+4,297 bps YoY

Net Worth / Assets

3.40%-241 bps YoY

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-1.12%-0.78%-0.75%-0.59%-6.72%-560 bps
Return on Equity-19.22%-12.44%-11.33%-9.61%-197.56%-17,834 bps
Net Interest Margin5.61%5.96%6.18%5.40%5.60%-1 bps
Efficiency Ratio107.97%106.90%108.46%106.87%150.94%+4,297 bps
Growth
Asset Growth (YoY)-0.37%-2.27%-6.84%-13.80%-15.35%-1,498 bps
Loan Growth (YoY)-29.80%-27.46%-11.27%-11.60%-9.60%+2,020 bps
Share Growth (YoY)1.27%-1.50%-6.07%-13.75%-13.11%-1,439 bps
Asset Quality
Delinquent Loans / Loans7.32%2.58%0.90%2.29%4.05%-327 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.35%0.75%0.49%0.04%0.69%-66 bps
Capital
Risk-Based Capital5.81%6.27%6.59%6.12%3.40%-241 bps
Net Worth / Assets5.81%6.27%6.59%6.12%3.40%-241 bps
Liquidity & Funding
Loans / Shares50.82%53.53%58.60%53.16%52.87%+205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps