Richmond, VA · Charter 66957
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -0.30% | -0.17% | -0.03% | -1.30% | +29 bps | |
| Return on Equity | -7.91% | -1.49% | -0.86% | -0.16% | -6.84% | +107 bps | |
| Net Interest Margin | 2.72% | 3.13% | 3.30% | 3.47% | 3.53% | +81 bps | |
| Efficiency Ratio | 146.40% | 107.67% | 104.06% | 100.71% | 129.13% | -1,727 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.74% | -2.80% | 0.18% | -1.17% | -1.44% | +429 bps | |
| Loan Growth (YoY) | 48.31% | 53.33% | 38.57% | 38.49% | 39.69% | -863 bps | |
| Share Growth (YoY) | -4.70% | -1.04% | 1.45% | -0.77% | -0.65% | +405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 4.66% | 3.51% | 3.37% | 1.73% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.64% | 9.92% | 8.65% | 7.36% | 5.08% | -456 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.18% | 19.94% | 19.83% | 19.88% | 19.05% | -112 bps | |
| Net Worth / Assets | 20.18% | 19.94% | 19.83% | 19.88% | 19.05% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.00% | 45.16% | 51.05% | 57.25% | 63.27% | +1,827 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |