Culpepper, VA · Charter 9187
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.19% | 0.56% | 0.65% | 1.47% | 1.31% | +1,050 bps | |
| Return on Equity | -288% | 17.43% | 18.90% | 35.62% | 31.08% | +31,955 bps | |
| Net Interest Margin | 3.47% | 3.45% | 3.56% | 3.49% | 3.39% | -8 bps | |
| Efficiency Ratio | n/a | 91.48% | 88.29% | 78.57% | 79.55% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.84% | -6.42% | -9.27% | 3.92% | 9.23% | +1,807 bps | |
| Loan Growth (YoY) | 1.27% | 7.21% | 8.45% | 3.68% | 2.85% | +157 bps | |
| Share Growth (YoY) | -0.44% | 2.14% | -1.42% | 3.79% | 6.97% | +741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 0.73% | 1.20% | 1.21% | 0.63% | -109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 0.89% | 0.99% | 0.89% | 0.55% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.19% | 3.19% | 3.44% | 4.14% | 4.23% | +105 bps | |
| Net Worth / Assets | 3.19% | 3.19% | 3.44% | 4.14% | 4.23% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.26% | 50.15% | 50.63% | 49.31% | 49.29% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |