Richmond, VA · Charter 68612
NCUA · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 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.
Richmond, VA · Charter 68612
NCUA · 1 branch
Q1 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.21% | 0.23% | 0.18% | 0.20% | -7 bps | |
| Return on Equity | 3.26% | 2.59% | 2.67% | 2.17% | 2.48% | -77 bps | |
| Net Interest Margin | 3.47% | 3.40% | 3.56% | 3.60% | 3.68% | +21 bps | |
| Efficiency Ratio | 83.00% | 85.98% | 85.90% | 85.44% | 87.19% | +419 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.31% | -0.75% | -0.97% | 0.13% | 3.60% | +691 bps | |
| Loan Growth (YoY) | 9.41% | 8.87% | 8.39% | 5.20% | 4.28% | -513 bps | |
| Share Growth (YoY) | -3.82% | -0.90% | -1.52% | 0.14% | 3.84% | +766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.62% | 0.79% | 0.93% | 0.52% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.91% | 0.89% | 1.01% | 0.94% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.32% | 8.14% | 8.42% | 8.46% | 8.19% | -13 bps | |
| Net Worth / Assets | 8.32% | 8.14% | 8.42% | 8.46% | 8.19% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.74% | 61.69% | 64.32% | 64.84% | 62.00% | +26 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |