Richmond, VA · Charter 774
Q2 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.77% | 0.79% | 1.34% | 0.20% | -38 bps | |
| Return on Equity | 3.12% | 3.96% | 3.76% | 6.32% | 0.99% | -213 bps | |
| Net Interest Margin | 3.84% | 4.00% | 4.30% | 4.12% | 3.61% | -23 bps | |
| Efficiency Ratio | 85.45% | 81.52% | 82.40% | 69.08% | 94.63% | +919 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.72% | -9.33% | -8.89% | -7.99% | -6.32% | -60 bps | |
| Loan Growth (YoY) | 21.04% | 16.57% | 15.88% | 3.36% | -7.51% | -2,855 bps | |
| Share Growth (YoY) | -8.30% | -12.17% | -11.83% | -10.87% | -7.72% | +58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.64% | 1.72% | 1.90% | 1.11% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.47% | 0.46% | 0.49% | 0.52% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.81% | 19.57% | 21.00% | 21.18% | 20.65% | +183 bps | |
| Net Worth / Assets | 18.81% | 19.57% | 21.00% | 21.18% | 20.65% | +183 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.79% | 99.52% | 109.17% | 101.87% | 94.00% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |