Charlottesville, VA · Charter 8179
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Charlottesville, VA · Charter 8179
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.29% | 1.38% | 1.86% | 1.48% | +18 bps | |
| Return on Equity | 16.97% | 16.49% | 17.13% | 22.63% | 17.41% | +44 bps | |
| Net Interest Margin | 1.57% | 1.56% | 1.65% | 2.16% | 2.12% | +55 bps | |
| Efficiency Ratio | 15.40% | 14.74% | 12.41% | 10.63% | 11.17% | -423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.80% | 14.91% | 15.41% | 12.93% | 9.27% | -1,053 bps | |
| Loan Growth (YoY) | -4.51% | -3.65% | -4.22% | -6.96% | -9.27% | -475 bps | |
| Share Growth (YoY) | 21.00% | 15.50% | 15.48% | 12.39% | 8.46% | -1,254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.39% | 0.31% | 0.35% | 0.36% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.37% | 0.43% | 0.32% | 0.83% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.67% | 7.83% | 8.06% | 8.22% | 8.50% | +82 bps | |
| Net Worth / Assets | 7.67% | 7.83% | 8.06% | 8.22% | 8.50% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.82% | 28.92% | 27.47% | 25.48% | 24.95% | -487 bps | |
| Liquid Assets / Assets | 114.23% | 18.85% | 16.09% | 20.87% | 15.49% | -9,874 bps | |