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V B H Emp Credit Union Inc.

Lynchburg, VA · Charter 66937

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

V B H Emp Credit Union Inc.

Lynchburg, VA · Charter 66937

Q2 2015

$8.5MAssets
$4.3MLoans
$8.2MShares
$215KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -8.20%, down 919 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 3.40% of loans (+40 bps YoY).
  • Capital: net worth / assets of 2.54%, down 1,112 bps from a year ago.
  • Funding: loans stand at 52.34% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-8.20%-919 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+189 bps YoY

Efficiency Ratio (YTD, annualized)

247%+20,057 bps YoY

Net Worth / Assets

2.54%-1,112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.99%0.56%-12.94%-7.96%-8.20%-919 bps
Return on Equity7.24%4.03%-413%-193.95%-322%-32,962 bps
Net Interest Margin2.63%2.28%2.80%4.49%4.51%+189 bps
Efficiency Ratio46.68%55.26%n/a214%247%+20,057 bps
Growth
Asset Growth (YoY)13.33%8.54%-1.52%-19.73%-31.09%-4,442 bps
Loan Growth (YoY)33.57%46.14%47.26%31.05%-3.03%-3,660 bps
Share Growth (YoY)15.99%9.90%13.08%-9.77%-22.41%-3,840 bps
Asset Quality
Delinquent Loans / Loans3.00%3.20%1.72%5.36%3.40%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.57%2.68%4.25%3.93%+324 bps
Capital
Risk-Based Capital13.66%13.84%3.13%4.10%2.54%-1,112 bps
Net Worth / Assets13.66%13.84%3.13%4.10%2.54%-1,112 bps
Liquidity & Funding
Loans / Shares41.87%47.43%53.41%56.02%52.34%+1,046 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps