Petersburg, VA · Charter 66896
NCUA · 1 branch
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.11% | 0.01% | -1.00% | -0.51% | -33 bps | |
| Return on Equity | -0.72% | -0.41% | 0.03% | -3.49% | -1.59% | -88 bps | |
| Net Interest Margin | 2.03% | 2.30% | 2.52% | 2.86% | 3.54% | +152 bps | |
| Efficiency Ratio | 107.71% | 104.31% | 99.65% | 128.31% | 106.15% | -156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.98% | -5.93% | -11.92% | -14.16% | -22.95% | -2,593 bps | |
| Loan Growth (YoY) | 0.69% | -2.37% | 3.58% | 4.69% | 7.84% | +715 bps | |
| Share Growth (YoY) | 4.44% | -7.61% | -15.88% | -18.64% | -30.43% | -3,487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.03% | 0.12% | 0.13% | 0.00% | -129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.92% | 0.88% | 0.00% | 0.00% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.90% | 27.43% | 28.29% | 28.58% | 32.18% | +729 bps | |
| Net Worth / Assets | 24.90% | 27.43% | 28.29% | 28.58% | 32.18% | +729 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.18% | 76.30% | 84.58% | 84.92% | 102.59% | +3,641 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |