Savannah, GA · Charter 12070
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Savannah, GA · Charter 12070
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.38% | 0.08% | 0.16% | 0.14% | -20 bps | |
| Return on Equity | 2.20% | 2.51% | 0.56% | 1.06% | 0.90% | -129 bps | |
| Net Interest Margin | 2.30% | 2.28% | 2.12% | 2.17% | 2.21% | -9 bps | |
| Efficiency Ratio | 92.75% | 91.89% | 96.94% | 95.64% | 96.23% | +348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.96% | 5.15% | 3.52% | 2.89% | 0.59% | -36 bps | |
| Loan Growth (YoY) | -1.82% | -5.87% | -3.78% | -6.42% | -6.72% | -490 bps | |
| Share Growth (YoY) | 1.05% | 5.71% | 3.70% | 3.08% | 0.26% | -80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.92% | 0.34% | 0.44% | 0.48% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.86% | 0.92% | 0.97% | 1.02% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.22% | 15.18% | 14.61% | 14.97% | 15.37% | +15 bps | |
| Net Worth / Assets | 15.22% | 15.18% | 14.61% | 14.97% | 15.37% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.85% | 40.70% | 38.63% | 38.61% | 38.94% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |