Richmond, VA · Charter 66957
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.60% | -2.49% | -2.28% | -1.60% | -0.30% | -0.17% | -0.03% | -1.30% | +29 bps | |
| Return on Equity | -7.51% | -12.08% | -11.52% | -7.91% | -1.49% | -0.86% | -0.16% | -6.84% | +107 bps | |
| Net Interest Margin | 2.35% | 2.41% | 2.53% | 2.72% | 3.13% | 3.30% | 3.47% | 3.53% | +81 bps | |
| Efficiency Ratio | 153.85% | 180.81% | 171.32% | 146.40% | 107.67% | 104.06% | 100.71% | 129.13% | -1,727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.40% | -14.02% | -7.04% | -5.74% | -2.80% | 0.18% | -1.17% | -1.44% | +429 bps | |
| Loan Growth (YoY) | -54.87% | -38.85% | 20.37% | 48.31% | 53.33% | 38.57% | 38.49% | 39.69% | -863 bps | |
| Share Growth (YoY) | -20.88% | -12.27% | -4.60% | -4.70% | -1.04% | 1.45% | -0.77% | -0.65% | +405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.41% | 2.16% | 3.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 15.91% | 12.23% | 9.91% | 9.64% | 9.92% | 8.65% | 7.36% | 5.08% | -456 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.36% | 20.59% | 19.81% | 20.18% | 19.94% | 19.83% | 19.88% | 19.05% | -112 bps | |
| Net Worth / Assets | 21.36% | 20.59% | 19.81% | 20.18% | 19.94% | 19.83% | 19.88% | 19.05% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.14% | 37.38% | 41.02% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |