Concord, VA · Charter 66909
Q1 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -0.46% | -0.60% | -0.75% | -7.21% | -662 bps | |
| Return on Equity | -5.11% | -4.08% | -5.60% | -6.66% | -75.68% | -7,057 bps | |
| Net Interest Margin | 2.53% | 2.63% | 2.50% | 2.70% | 2.39% | -15 bps | |
| Efficiency Ratio | 122.87% | 117.14% | 123.48% | 127.20% | 130.24% | +737 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.64% | -3.29% | 0.18% | 0.91% | -3.61% | -97 bps | |
| Loan Growth (YoY) | -7.45% | -4.26% | -0.40% | 6.45% | 4.36% | +1,182 bps | |
| Share Growth (YoY) | -2.13% | -2.92% | 1.12% | 1.90% | -1.47% | +67 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.25% | 5.27% | 11.86% | 13.57% | 12.32% | +407 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.23% | 3.09% | 3.04% | 2.92% | 11.63% | +840 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 11.24% | 10.69% | 11.23% | 9.52% | -197 bps | |
| Net Worth / Assets | 11.49% | 11.24% | 10.69% | 11.23% | 9.52% | -197 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.81% | 20.33% | 19.99% | 22.51% | 20.98% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |