Waynesboro, VA · Charter 66936
NCUA · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.13% | -0.40% | 0.38% | -0.77% | -0.81% | -2.55% | -2.10% | -248 bps | |
| Return on Equity | -1.31% | -1.38% | -4.23% | 3.93% | -7.89% | -8.44% | -33.55% | -29.20% | -3,313 bps | |
| Net Interest Margin | 4.60% | 4.65% | 4.62% | 5.06% | 5.24% | 5.11% | 5.01% | 4.80% | -26 bps | |
| Efficiency Ratio | 102.51% | 102.63% | 108.09% | 93.18% | 98.26% | 101.66% | 137.47% | 142.58% | +4,940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -0.83% | -2.89% | -4.39% | -11.19% | -9.86% | -6.89% | -9.04% | -466 bps | |
| Loan Growth (YoY) | -5.63% | 1.06% | 1.58% | 5.16% | 7.29% | 6.71% | 4.25% | -3.07% | -823 bps | |
| Share Growth (YoY) | -2.19% | -1.64% | -2.72% | -4.49% | -11.51% | -9.86% | -6.75% | -6.69% | -220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.56% | 4.23% | 6.58% | 3.77% | 7.82% | 7.26% | 7.80% | 6.21% | +244 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.38% | 1.36% | 0.74% | 1.09% | 1.11% | 1.12% | 0.90% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.43% | 9.56% | 9.52% | 9.55% | 9.76% | 9.56% | 7.61% | 7.21% | -234 bps | |
| Net Worth / Assets | 9.43% | 9.56% | 9.52% | 9.55% | 9.76% | 9.56% | 7.61% | 7.21% | -234 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.74% | 58.17% | 61.22% | 62.09% | 67.58% | 68.86% | 68.44% | 64.49% | +241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |