Lynchburg, VA · Charter 66937
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.56% | -12.94% | -7.96% | -8.20% | -919 bps | |
| Return on Equity | 7.24% | 4.03% | -413% | -193.95% | -322% | -32,962 bps | |
| Net Interest Margin | 2.63% | 2.28% | 2.80% | 4.49% | 4.51% | +189 bps | |
| Efficiency Ratio | 46.68% | 55.26% | n/a | 214% | 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 / Loans | 3.00% | 3.20% | 1.72% | 5.36% | 3.40% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.57% | 2.68% | 4.25% | 3.93% | +324 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.66% | 13.84% | 3.13% | 4.10% | 2.54% | -1,112 bps | |
| Net Worth / Assets | 13.66% | 13.84% | 3.13% | 4.10% | 2.54% | -1,112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.87% | 47.43% | 53.41% | 56.02% | 52.34% | +1,046 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |