Danville, VA · Charter 66907
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.18% | 0.34% | 0.95% | 0.60% | +46 bps | |
| Return on Equity | 1.03% | 1.42% | 2.64% | 7.34% | 4.89% | +386 bps | |
| Net Interest Margin | 3.74% | 3.64% | 3.63% | 3.37% | 3.33% | -41 bps | |
| Efficiency Ratio | 52.70% | 55.04% | 56.26% | 67.32% | 80.00% | +2,730 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.42% | 11.27% | 7.39% | 6.24% | 5.76% | -966 bps | |
| Loan Growth (YoY) | -5.45% | -7.99% | -8.03% | -7.45% | -2.84% | +261 bps | |
| Share Growth (YoY) | 17.25% | 12.46% | 8.13% | 6.56% | 6.88% | -1,037 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.40% | 3.84% | 1.08% | 0.45% | 0.74% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.15% | 1.30% | 1.36% | 2.61% | +164 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.98% | 12.83% | 13.04% | 12.90% | 12.22% | -76 bps | |
| Net Worth / Assets | 12.98% | 12.83% | 13.04% | 12.90% | 12.22% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.04% | 56.59% | 57.10% | 53.28% | 53.67% | -537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |