Washington, DC · Charter 6912
NCUA · 10 branches
Q2 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.33% | 0.41% | 0.04% | 0.24% | 0.16% | -0.10% | -0.25% | -29 bps | |
| Return on Equity | 3.02% | 3.41% | 4.83% | 0.44% | 2.57% | 1.68% | -1.10% | -2.86% | -330 bps | |
| Net Interest Margin | 2.51% | 2.66% | 2.50% | 2.58% | 2.82% | 2.90% | 2.88% | 2.72% | +15 bps | |
| Efficiency Ratio | 87.57% | 92.37% | 91.07% | 93.04% | 88.54% | 88.56% | 86.65% | 92.16% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.08% | 2.69% | 2.00% | 2.27% | 1.61% | 3.94% | -7.56% | -0.14% | -241 bps | |
| Loan Growth (YoY) | 5.12% | 8.01% | 10.26% | 8.64% | 8.13% | 4.20% | -2.76% | -8.63% | -1,727 bps | |
| Share Growth (YoY) | 5.34% | 1.46% | 1.56% | 1.80% | 1.19% | 4.92% | -8.49% | -0.23% | -203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.54% | 0.38% | 0.91% | 0.97% | 1.28% | 1.71% | 1.83% | +92 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 | 0.98% | 0.43% | 0.41% | 0.51% | 0.60% | 0.72% | 0.97% | 1.16% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.16% | 9.54% | 8.55% | 8.69% | 9.46% | 9.50% | 9.44% | 8.83% | +14 bps | |
| Net Worth / Assets | 9.16% | 9.54% | 8.55% | 8.69% | 9.46% | 9.50% | 9.44% | 8.83% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.60% | 51.64% | 45.69% | 47.22% | 50.87% | 51.28% | 48.55% | 43.24% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |