Richmond, VA · Charter 66930
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Richmond, VA · Charter 66930
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | -1.67% | -1.45% | -1.12% | -0.33% | -48 bps | |
| Return on Equity | 2.75% | -31.39% | -29.02% | -21.58% | -6.82% | -957 bps | |
| Net Interest Margin | 4.90% | 5.25% | 5.14% | 5.27% | 4.46% | -44 bps | |
| Efficiency Ratio | 85.12% | 90.49% | 90.58% | 91.11% | 97.79% | +1,267 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.25% | -13.85% | -6.64% | -4.72% | -5.10% | +316 bps | |
| Loan Growth (YoY) | -7.86% | -8.62% | -9.61% | -9.86% | -12.50% | -464 bps | |
| Share Growth (YoY) | -7.22% | -11.65% | -5.13% | -3.86% | -4.03% | +319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.34% | 5.53% | 0.66% | 2.69% | 0.45% | -489 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.33% | 1.18% | 1.18% | 1.03% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.65% | 5.33% | 4.99% | 5.19% | 4.78% | -87 bps | |
| Net Worth / Assets | 5.65% | 5.33% | 4.99% | 5.19% | 4.78% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.90% | 81.07% | 76.52% | 78.86% | 69.21% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.85% | 0.00% | 0.00% | 0 bps | |