Washington, DC · Charter 9584
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Washington, DC · Charter 9584
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | 1.17% | 0.87% | 0.71% | -0.68% | -15 bps | |
| Return on Equity | -6.65% | 14.89% | 10.88% | 8.76% | -9.53% | -289 bps | |
| Net Interest Margin | 2.91% | 3.94% | 4.11% | 4.14% | 4.25% | +134 bps | |
| Efficiency Ratio | 88.45% | 76.73% | 82.81% | 85.95% | 89.71% | +126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.12% | -8.21% | -0.88% | -0.73% | 1.58% | +669 bps | |
| Loan Growth (YoY) | 49.80% | 61.16% | 96.39% | 74.90% | 28.08% | -2,172 bps | |
| Share Growth (YoY) | -3.00% | -5.67% | -0.44% | -1.32% | 2.28% | +528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.75% | 1.32% | 1.79% | 1.76% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.17% | 1.08% | 1.03% | 1.23% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.89% | 7.86% | 8.02% | 8.11% | 7.09% | -80 bps | |
| Net Worth / Assets | 7.89% | 7.86% | 8.02% | 8.11% | 7.09% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.72% | 77.20% | 84.70% | 89.29% | 89.80% | +1,809 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |