Staunton, VA · Charter 66990
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Staunton, VA · Charter 66990
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -0.82% | -1.64% | -1.20% | -1.20% | -39 bps | |
| Return on Equity | -5.97% | -6.15% | -12.22% | -9.07% | -9.10% | -312 bps | |
| Net Interest Margin | 1.28% | 0.98% | 1.18% | 1.02% | 0.93% | -35 bps | |
| Efficiency Ratio | 162.61% | 197.93% | 239% | 220% | 233% | +7,052 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.02% | -2.19% | -4.92% | -3.98% | -5.15% | -213 bps | |
| Loan Growth (YoY) | -33.52% | -29.17% | -22.51% | -24.34% | -6.04% | +2,748 bps | |
| Share Growth (YoY) | -2.04% | -1.12% | -4.72% | -3.53% | -4.74% | -270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.51% | 0.49% | 0.54% | 0.00% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.30% | 1.17% | 1.27% | 1.48% | 1.20% | -210 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.58% | 13.25% | 13.43% | 13.25% | 13.19% | -39 bps | |
| Net Worth / Assets | 13.58% | 13.25% | 13.43% | 13.25% | 13.19% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.30% | 7.89% | 7.59% | 6.52% | 8.18% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |