PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A B & W Transit Emp Credit Union in

Alexandria, VA · Charter 66972

NCUA · 1 branch

Q4 2019

$27.6MAssets
$17.5MLoans
$23.6MShares
$4.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.43%, up 60 bps year over year; NIM at 5.31%.
  • Asset quality: problem loans at 1.60% of loans (-40 bps YoY).
  • Capital: net worth / assets of 16.82%, up 140 bps from a year ago.
  • Funding: loans stand at 74.06% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.43%+60 bps YoY

Net Interest Margin (YTD, annualized)

5.31%+66 bps YoY

Efficiency Ratio (YTD, annualized)

72.10%-216 bps YoY

Net Worth / Assets

16.82%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-1.03%1.28%0.82%0.70%-0.43%+60 bps
Return on Equity-6.66%8.07%4.88%4.06%-2.54%+412 bps
Net Interest Margin4.65%4.80%5.08%5.17%5.31%+66 bps
Efficiency Ratio74.27%78.57%69.79%69.60%72.10%-216 bps
Growth
Asset Growth (YoY)-3.99%-4.04%-8.11%-8.50%-10.60%-661 bps
Loan Growth (YoY)-2.10%0.82%-1.60%-1.90%-5.17%-307 bps
Share Growth (YoY)-3.24%-7.90%-9.36%-9.70%-8.29%-505 bps
Asset Quality
Delinquent Loans / Loans2.00%2.47%1.64%1.69%1.60%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.37%2.41%2.27%2.04%3.15%+78 bps
Capital
Risk-Based Capital15.42%15.86%16.72%17.19%16.82%+140 bps
Net Worth / Assets15.42%15.86%16.72%17.19%16.82%+140 bps
Liquidity & Funding
Loans / Shares71.62%73.09%76.58%77.18%74.06%+244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps