Danville, VA · Charter 66971
NCUA · 4 branches
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.13% | 0.89% | 0.77% | -1.14% | -0.79% | -0.71% | -2.09% | -287 bps | |
| Return on Equity | 12.75% | 14.04% | 11.23% | 9.69% | -15.53% | -11.04% | -10.03% | -35.75% | -4,543 bps | |
| Net Interest Margin | 4.81% | 4.67% | 4.45% | 4.30% | 3.61% | 3.48% | 3.47% | 3.58% | -72 bps | |
| Efficiency Ratio | 77.04% | 75.26% | 75.93% | 78.02% | 89.24% | 90.86% | 94.22% | 116.90% | +3,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.64% | 6.41% | 7.24% | 9.03% | 8.85% | 9.73% | 5.98% | 0.22% | -881 bps | |
| Loan Growth (YoY) | 23.76% | 11.09% | -2.13% | -6.15% | -10.54% | -13.60% | -13.05% | -16.60% | -1,046 bps | |
| Share Growth (YoY) | 9.98% | 10.50% | 10.91% | 9.76% | 8.30% | 9.81% | 6.43% | 2.85% | -691 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 3.43% | 4.23% | 5.60% | 2.74% | 3.56% | 3.23% | 3.57% | -203 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 | 1.83% | 1.77% | 1.78% | 1.50% | 1.68% | 1.72% | 1.68% | 2.08% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 8.06% | 7.93% | 7.97% | 7.37% | 7.16% | 7.06% | 5.86% | -211 bps | |
| Net Worth / Assets | 7.77% | 8.06% | 7.93% | 7.97% | 7.37% | 7.16% | 7.06% | 5.86% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.33% | 70.49% | 66.22% | 64.35% | 58.10% | 55.46% | 54.10% | 52.18% | -1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |