Norfolk, VA · Charter 66895
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -2.90% | -2.89% | -3.30% | -2.02% | -1.27% | -1.59% | -1.27% | +202 bps | |
| Return on Equity | -17.11% | -31.72% | -32.58% | -40.71% | -24.89% | -15.34% | -18.46% | -16.78% | +2,394 bps | |
| Net Interest Margin | 4.98% | 5.09% | 5.18% | 5.28% | 5.33% | 5.47% | 5.95% | 5.47% | +19 bps | |
| Efficiency Ratio | 127.68% | 128.42% | 128.51% | 127.66% | 118.16% | 118.69% | 121.49% | 119.24% | -841 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.53% | -15.26% | -15.23% | -16.79% | -10.12% | -7.83% | -13.02% | -4.60% | +1,219 bps | |
| Loan Growth (YoY) | -13.00% | -21.74% | -22.67% | -16.09% | 6.84% | 14.83% | 2.34% | -4.02% | +1,208 bps | |
| Share Growth (YoY) | -14.80% | -14.76% | -14.18% | -15.42% | -8.21% | -6.98% | -12.78% | -4.09% | +1,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.60% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.75% | 1.12% | 1.21% | 1.19% | 0.65% | 0.78% | 0.82% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 9.14% | 8.88% | 8.09% | 8.12% | 8.30% | 8.62% | 7.57% | -52 bps | |
| Net Worth / Assets | 10.02% | 9.14% | 8.88% | 8.09% | 8.12% | 8.30% | 8.62% | 7.57% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.73% | 66.20% | 66.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |