Portsmouth, VA · Charter 66943
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.01% | 0.01% | -0.36% | -0.59% | -63 bps | |
| Return on Equity | 0.43% | 0.09% | 0.13% | -3.86% | -5.52% | -595 bps | |
| Net Interest Margin | 4.29% | 4.62% | 4.23% | 4.40% | 4.73% | +43 bps | |
| Efficiency Ratio | 88.45% | 68.27% | 82.41% | 85.05% | 93.65% | +520 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.31% | -3.64% | -4.51% | -4.70% | -16.99% | -1,368 bps | |
| Loan Growth (YoY) | -4.56% | -8.03% | -10.96% | -8.63% | -11.56% | -700 bps | |
| Share Growth (YoY) | -3.68% | -3.78% | -5.03% | -4.82% | -18.25% | -1,457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.70% | 1.22% | 2.38% | 0.32% | 1.31% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.29% | 1.33% | 1.39% | 1.45% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.31% | 9.34% | 9.55% | 9.41% | 10.62% | +132 bps | |
| Net Worth / Assets | 9.31% | 9.34% | 9.55% | 9.41% | 10.62% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.47% | 79.80% | 78.95% | 78.10% | 88.13% | +666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |