Danville, VA · Charter 66939
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.03% | -0.81% | -14.08% | -10.95% | -57.23% | -5,520 bps | |
| Return on Equity | -9.62% | -3.69% | -107.82% | -84.42% | -1781% | -177,162 bps | |
| Net Interest Margin | 5.49% | 6.10% | 5.68% | 5.60% | 6.47% | +98 bps | |
| Efficiency Ratio | 128.35% | 109.28% | 118.48% | 118.75% | 145.76% | +1,741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.03% | -10.98% | -17.32% | -13.47% | -33.95% | -2,292 bps | |
| Loan Growth (YoY) | -6.86% | -13.79% | -10.88% | -22.51% | -35.91% | -2,906 bps | |
| Share Growth (YoY) | -17.21% | -19.39% | -19.49% | -17.70% | -14.92% | +229 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.83% | 11.88% | 15.53% | 11.91% | 3.62% | -521 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.56% | 13.84% | 6.60% | 12.80% | +1,054 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.14% | 21.90% | 13.06% | 12.98% | 3.21% | -1,793 bps | |
| Net Worth / Assets | 21.14% | 21.90% | 13.06% | 12.98% | 3.21% | -1,793 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.47% | 107.32% | 113.07% | 99.95% | 79.44% | -2,602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |