Alexandria, VA · Charter 66972
NCUA · 1 branch
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.19% | -1.69% | -1.32% | -1.03% | 1.28% | 0.82% | 0.70% | -0.43% | +60 bps | |
| Return on Equity | -14.26% | -11.13% | -8.61% | -6.66% | 8.07% | 4.88% | 4.06% | -2.54% | +412 bps | |
| Net Interest Margin | 4.39% | 4.47% | 4.58% | 4.65% | 4.80% | 5.08% | 5.17% | 5.31% | +66 bps | |
| Efficiency Ratio | 80.68% | 79.28% | 76.10% | 74.27% | 78.57% | 69.79% | 69.60% | 72.10% | -216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -3.95% | -4.52% | -3.99% | -4.04% | -8.11% | -8.50% | -10.60% | -661 bps | |
| Loan Growth (YoY) | -0.59% | 0.52% | -0.42% | -2.10% | 0.82% | -1.60% | -1.90% | -5.17% | -307 bps | |
| Share Growth (YoY) | -4.51% | -7.90% | -7.41% | -3.24% | -7.90% | -9.36% | -9.70% | -8.29% | -505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.34% | 1.73% | 2.00% | 2.47% | 1.64% | 1.69% | 1.60% | -40 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 | 1.96% | 2.11% | 2.28% | 2.37% | 2.41% | 2.27% | 2.04% | 3.15% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.36% | 15.15% | 15.28% | 15.42% | 15.86% | 16.72% | 17.19% | 16.82% | +140 bps | |
| Net Worth / Assets | 15.36% | 15.15% | 15.28% | 15.42% | 15.86% | 16.72% | 17.19% | 16.82% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.77% | 70.55% | 71.04% | 71.62% | 73.09% | 76.58% | 77.18% | 74.06% | +244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |