Lovingston, VA · Charter 66988
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lovingston, VA · Charter 66988
NCUA · 1 branch
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 2.19% | 1.37% | 1.18% | 1.21% | 1.33% | 1.31% | 0.81% | -37 bps | |
| Return on Equity | 5.97% | 9.81% | 6.25% | 5.23% | 5.19% | 5.49% | 5.42% | 3.13% | -210 bps | |
| Net Interest Margin | 4.80% | 4.76% | 4.58% | 4.73% | 5.02% | 5.05% | 4.97% | 5.50% | +78 bps | |
| Efficiency Ratio | 73.61% | 60.99% | 69.99% | 74.98% | 75.89% | 73.91% | 72.37% | 78.40% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.08% | -3.06% | -1.98% | 0.88% | -4.03% | -2.94% | -4.43% | -10.51% | -1,139 bps | |
| Loan Growth (YoY) | 10.06% | 3.67% | 5.12% | -0.70% | 3.21% | 5.09% | 3.27% | -6.70% | -600 bps | |
| Share Growth (YoY) | -1.55% | -5.35% | -4.07% | -0.39% | -6.57% | -5.29% | -7.08% | -14.52% | -1,412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.69% | 1.82% | 4.65% | 4.09% | 4.84% | 5.28% | 2.08% | -257 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 | 2.53% | 2.60% | 2.60% | 2.53% | 2.62% | 2.64% | 2.74% | 0.00% | -253 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.32% | 22.35% | 21.97% | 22.57% | 23.39% | 24.23% | 24.10% | 26.03% | +346 bps | |
| Net Worth / Assets | 21.32% | 22.35% | 21.97% | 22.57% | 23.39% | 24.23% | 24.10% | 26.03% | +346 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.69% | 51.97% | 51.68% | 55.15% | 56.00% | 57.66% | 57.43% | 60.20% | +504 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |