Ringgold, GA · Charter 12176
NCUA · 2 branches
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.98% | -0.46% | -0.78% | -1.79% | -115 bps | |
| Return on Equity | -5.22% | -8.59% | -5.63% | -9.52% | -24.46% | -1,924 bps | |
| Net Interest Margin | 3.73% | 3.61% | 3.30% | 3.54% | 3.60% | -14 bps | |
| Efficiency Ratio | 108.92% | 114.50% | 106.00% | 111.19% | 122.77% | +1,385 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.84% | 7.14% | 10.48% | 5.53% | 3.21% | +406 bps | |
| Loan Growth (YoY) | -8.46% | -4.82% | -3.75% | -2.08% | 3.87% | +1,233 bps | |
| Share Growth (YoY) | 0.06% | 8.38% | 12.49% | 7.03% | 5.61% | +555 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.05% | 0.56% | 0.52% | 0.13% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.39% | 0.32% | 0.35% | 0.58% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.29% | 11.35% | 8.10% | 8.23% | 7.33% | -496 bps | |
| Net Worth / Assets | 12.29% | 11.35% | 8.10% | 8.23% | 7.33% | -496 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.41% | 71.70% | 66.40% | 70.23% | 71.22% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |