Waynesboro, VA · Charter 66987
Q2 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | -36.13% | 2.52% | 1.14% | -9.15% | -1,067 bps | |
| Return on Equity | 2.74% | -71.36% | 4.91% | 2.01% | -16.52% | -1,926 bps | |
| Net Interest Margin | 3.98% | 5.51% | 4.96% | 3.03% | -3.15% | -713 bps | |
| Efficiency Ratio | 49.03% | 78.56% | 68.86% | 62.43% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.84% | -7.18% | -6.07% | -18.37% | -18.97% | -2,081 bps | |
| Loan Growth (YoY) | 8.77% | 1.10% | -21.84% | -44.16% | -70.20% | -7,897 bps | |
| Share Growth (YoY) | -0.60% | 0.56% | 3.64% | -20.11% | -17.20% | -1,660 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.20% | 0.00% | 0.00% | 19.96% | 0.00% | -1,220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 24.10% | 2.10% | 14.86% | 0.00% | -148 bps | |
| Capital | |||||||
| Risk-Based Capital | 55.47% | 50.63% | 51.32% | 56.57% | 55.38% | -9 bps | |
| Net Worth / Assets | 55.47% | 50.63% | 51.32% | 56.57% | 55.38% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.70% | 84.79% | 64.67% | 54.77% | 34.44% | -6,126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |