Richmond, VA · Charter 66918
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.88% | 0.74% | 0.39% | 0.52% | -3 bps | |
| Return on Equity | 4.39% | 6.39% | 5.17% | 2.88% | 3.73% | -66 bps | |
| Net Interest Margin | 4.47% | 4.94% | 4.79% | 4.17% | 4.24% | -22 bps | |
| Efficiency Ratio | 80.47% | 78.91% | 82.10% | 92.89% | 89.19% | +872 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.99% | -8.44% | -4.62% | -5.71% | -4.64% | +234 bps | |
| Loan Growth (YoY) | -1.34% | 1.07% | 1.54% | -0.51% | 4.11% | +546 bps | |
| Share Growth (YoY) | -8.55% | -10.46% | -6.11% | -7.23% | -6.02% | +254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 1.72% | 1.98% | 1.20% | 1.16% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.87% | 0.73% | 0.81% | 0.81% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.50% | 13.72% | 14.31% | 13.64% | 13.90% | +140 bps | |
| Net Worth / Assets | 12.50% | 13.72% | 14.31% | 13.64% | 13.90% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.45% | 67.53% | 68.45% | 62.22% | 66.96% | +651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |