Norfolk, VA · Charter 66895
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
Norfolk, VA · Charter 66895
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.30% | -2.02% | -1.27% | -1.59% | -1.27% | +202 bps | |
| Return on Equity | -40.71% | -24.89% | -15.34% | -18.46% | -16.78% | +2,394 bps | |
| Net Interest Margin | 5.28% | 5.33% | 5.47% | 5.95% | 5.47% | +19 bps | |
| Efficiency Ratio | 127.66% | 118.16% | 118.69% | 121.49% | 119.24% | -841 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.79% | -10.12% | -7.83% | -13.02% | -4.60% | +1,219 bps | |
| Loan Growth (YoY) | -16.09% | 6.84% | 14.83% | 2.34% | -4.02% | +1,208 bps | |
| Share Growth (YoY) | -15.42% | -8.21% | -6.98% | -12.78% | -4.09% | +1,133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.19% | 0.65% | 0.78% | 0.82% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.09% | 8.12% | 8.30% | 8.62% | 7.57% | -52 bps | |
| Net Worth / Assets | 8.09% | 8.12% | 8.30% | 8.62% | 7.57% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.08% | 78.84% | 81.72% | 77.88% | 69.14% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |