Lovingston, VA · Charter 66988
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.21% | 1.33% | 1.31% | 0.81% | -37 bps | |
| Return on Equity | 5.23% | 5.19% | 5.49% | 5.42% | 3.13% | -210 bps | |
| Net Interest Margin | 4.73% | 5.02% | 5.05% | 4.97% | 5.50% | +78 bps | |
| Efficiency Ratio | 74.98% | 75.89% | 73.91% | 72.37% | 78.40% | +342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.88% | -4.03% | -2.94% | -4.43% | -10.51% | -1,139 bps | |
| Loan Growth (YoY) | -0.70% | 3.21% | 5.09% | 3.27% | -6.70% | -600 bps | |
| Share Growth (YoY) | -0.39% | -6.57% | -5.29% | -7.08% | -14.52% | -1,412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.53% | 2.62% | 2.64% | 2.74% | 0.00% | -253 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.57% | 23.39% | 24.23% | 24.10% | 26.03% | +346 bps | |
| Net Worth / Assets | 22.57% | 23.39% | 24.23% | 24.10% | 26.03% | +346 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |