Parkersburg, WV · Charter 67774
NCUA · 1 branch
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.11% | 1.04% | 0.98% | 1.13% | 0 bps | |
| Return on Equity | 11.77% | 11.38% | 10.51% | 10.35% | 11.47% | -30 bps | |
| Net Interest Margin | 2.46% | 2.46% | 2.46% | 2.34% | 2.44% | -2 bps | |
| Efficiency Ratio | 67.51% | 67.86% | 69.80% | 71.46% | 67.25% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.03% | 6.21% | 6.00% | 11.20% | 8.58% | +256 bps | |
| Loan Growth (YoY) | 8.10% | 7.19% | 9.14% | 10.51% | 13.86% | +576 bps | |
| Share Growth (YoY) | 5.55% | 5.79% | 5.59% | 11.13% | 8.27% | +272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.29% | 0.61% | 0.59% | 0.57% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.23% | 0.22% | 0.21% | 0.23% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 9.75% | 9.93% | 9.50% | 9.85% | +26 bps | |
| Net Worth / Assets | 9.58% | 9.75% | 9.93% | 9.50% | 9.85% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.18% | 75.13% | 76.71% | 72.77% | 78.01% | +383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |