Alexandria, VA · Charter 66976
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.67% | -2.38% | -4.12% | -5.32% | -1.58% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 13.15% | 10.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 139.54% | 112.78% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -23.32% | -39.36% | -49.54% | -50.90% | -49.69% | -2,637 bps | |
| Loan Growth (YoY) | -30.44% | -40.35% | -40.48% | -44.20% | -48.40% | -1,796 bps | |
| Share Growth (YoY) | -27.83% | -46.11% | -56.02% | -57.66% | -56.40% | -2,857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 0.00% | 4.51% | 7.78% | 9.21% | +784 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.79% | 5.37% | 7.77% | 6.88% | 8.27% | +348 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.68% | 94.86% | 88.72% | 104.54% | 87.19% | +1,351 bps | |
| Liquid Assets / Assets | 19.43% | 15.19% | 17.24% | 15.88% | 17.05% | -239 bps | |