Richmond, VA · Charter 9426
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -2.29% | -5.15% | -3.87% | -4.04% | -359 bps | |
| Return on Equity | -3.78% | -22.38% | -69.95% | -72.42% | -93.26% | -8,948 bps | |
| Net Interest Margin | 3.98% | 3.54% | 3.13% | 3.59% | 3.46% | -52 bps | |
| Efficiency Ratio | 110.16% | 125.73% | 228% | 189.06% | 198.22% | +8,806 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.31% | 2.45% | -18.71% | -21.70% | -21.88% | -2,419 bps | |
| Loan Growth (YoY) | -12.46% | -19.05% | -37.54% | -43.59% | -43.68% | -3,122 bps | |
| Share Growth (YoY) | 5.92% | 7.66% | -11.96% | -15.81% | -15.02% | -2,094 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.12% | 10.34% | 12.84% | 4.56% | 1.98% | -314 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.77% | 1.22% | 4.44% | 2.76% | 1.26% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.11% | 10.25% | 7.36% | 5.35% | 4.33% | -777 bps | |
| Net Worth / Assets | 12.11% | 10.25% | 7.36% | 5.35% | 4.33% | -777 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.82% | 61.65% | 56.36% | 51.21% | 49.59% | -2,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |