Chesapeake, VA · Charter 66940
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Chesapeake, VA · Charter 66940
Q1 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -1.26% | -1.18% | -1.08% | -1.15% | -28 bps | |
| Return on Equity | -11.61% | -17.91% | -16.13% | -15.07% | -16.80% | -518 bps | |
| Net Interest Margin | 1.98% | 2.06% | 2.15% | 2.23% | 2.09% | +10 bps | |
| Efficiency Ratio | 147.42% | 135.80% | 138.92% | 135.74% | 150.50% | +309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.10% | 2.12% | -1.71% | -2.36% | -5.89% | -899 bps | |
| Loan Growth (YoY) | -6.71% | -5.65% | -2.19% | -2.58% | -8.87% | -216 bps | |
| Share Growth (YoY) | 4.41% | 3.62% | -0.68% | -1.36% | -5.18% | -958 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 0.71% | 1.27% | 1.31% | 1.34% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.62% | 1.20% | 1.12% | 1.12% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.52% | 7.06% | 7.31% | 7.20% | 6.86% | -66 bps | |
| Net Worth / Assets | 7.52% | 7.06% | 7.31% | 7.20% | 6.86% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.64% | 20.53% | 22.99% | 22.52% | 19.84% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |