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
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.19% | 0.15% | 0.27% | 0.21% | 0.23% | 0.18% | 0.20% | -7 bps | |
| Return on Equity | 1.89% | 2.36% | 1.82% | 3.26% | 2.59% | 2.67% | 2.17% | 2.48% | -77 bps | |
| Net Interest Margin | 3.09% | 3.22% | 3.30% | 3.47% | 3.40% | 3.56% | 3.60% | 3.68% | +21 bps | |
| Efficiency Ratio | 91.76% | 90.24% | 88.69% | 83.00% | 85.98% | 85.90% | 85.44% | 87.19% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.98% | -2.16% | -5.14% | -3.31% | -0.75% | -0.97% | 0.13% | 3.60% | +691 bps | |
| Loan Growth (YoY) | 2.07% | 4.64% | 8.62% | 9.41% | 8.87% | 8.39% | 5.20% | 4.28% | -513 bps | |
| Share Growth (YoY) | -3.28% | -2.33% | -6.08% | -3.82% | -0.90% | -1.52% | 0.14% | 3.84% | +766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 1.68% | 1.35% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.83% | 0.78% | 0.90% | 0.91% | 0.89% | 1.01% | 0.94% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 8.17% | 8.29% | 8.32% | 8.14% | 8.42% | 8.46% | 8.19% | -13 bps | |
| Net Worth / Assets | 7.90% | 8.17% | 8.29% | 8.32% | 8.14% | 8.42% | 8.46% | 8.19% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.15% | 58.44% | 61.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |