Panama City, FL · Charter 11804
NCUA · 6 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.12% | 1.47% | 1.49% | 1.41% | 1.08% | 0.94% | 0.85% | -64 bps | |
| Return on Equity | 9.78% | 10.96% | 13.73% | 13.17% | 11.92% | 8.92% | 7.93% | 7.08% | -609 bps | |
| Net Interest Margin | 2.49% | 2.96% | 3.00% | 3.07% | 3.10% | 2.87% | 2.56% | 2.50% | -56 bps | |
| Efficiency Ratio | 67.64% | 65.31% | 61.70% | 61.32% | 63.18% | 72.38% | 71.83% | 72.45% | +1,113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.93% | 42.19% | 41.94% | 38.25% | 1.30% | -4.41% | -0.26% | 2.26% | -3,600 bps | |
| Loan Growth (YoY) | 4.89% | 5.88% | 4.93% | 7.36% | 4.89% | 7.75% | 7.89% | 13.76% | +640 bps | |
| Share Growth (YoY) | 40.84% | 46.41% | 46.30% | 40.55% | 0.13% | -6.25% | -1.36% | 2.37% | -3,817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.55% | 0.42% | 0.33% | 0.40% | 0.27% | 0.20% | 0.15% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.40% | 1.34% | 1.30% | 1.34% | 1.20% | 1.35% | 1.34% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 10.21% | 10.69% | 11.34% | 11.87% | 12.13% | 11.82% | 12.01% | +67 bps | |
| Net Worth / Assets | 10.64% | 10.21% | 10.69% | 11.34% | 11.87% | 12.13% | 11.82% | 12.01% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.89% | 45.26% | 45.67% | 48.64% | 50.17% | 52.02% | 49.95% | 54.05% | +541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |