Fairfax, VA · Charter 66947
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Fairfax, VA · Charter 66947
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.65% | 0.61% | -0.47% | 0.01% | -35 bps | |
| Return on Equity | n/a | n/a | 4.46% | -3.62% | 0.06% | n/a | |
| Net Interest Margin | 4.68% | 4.87% | 4.62% | 4.60% | 4.28% | -40 bps | |
| Efficiency Ratio | 62.43% | 60.32% | 61.33% | 89.43% | 76.47% | +1,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.69% | 8.34% | 12.67% | 15.91% | 17.33% | +564 bps | |
| Loan Growth (YoY) | 12.70% | 15.65% | 12.60% | 11.36% | 7.05% | -565 bps | |
| Share Growth (YoY) | 14.23% | 8.84% | 14.05% | 17.90% | 20.16% | +593 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.93% | 1.06% | 1.15% | 0.88% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.54% | 1.68% | 1.68% | 1.67% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 13.73% | 13.03% | 12.39% | n/a | |
| Net Worth / Assets | n/a | n/a | 13.73% | 13.03% | 12.39% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.00% | 98.64% | 92.55% | 88.66% | 82.85% | -1,015 bps | |
| Liquid Assets / Assets | 4.65% | 7.74% | 14.86% | 14.27% | 18.41% | +1,376 bps | |