Newport News, VA · Charter 66910
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Newport News, VA · Charter 66910
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.24% | 4.25% | 3.20% | 3.32% | 3.31% | -93 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -11.36% | -10.73% | -1.92% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 15.76% | 28.18% | 23.04% | n/a | |
| Share Growth (YoY) | n/a | n/a | -15.18% | -14.31% | -4.30% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.31% | 0.29% | 0.20% | 4.79% | +345 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.22% | 1.48% | 1.58% | 0.89% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.90% | 78.37% | 75.23% | 95.94% | 95.02% | +2,112 bps | |
| Liquid Assets / Assets | 16.44% | 18.00% | 19.25% | 2.41% | 3.43% | -1,301 bps | |