Atlanta, GA · Charter 12490
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.15% | -0.22% | -0.16% | -0.24% | -0.28% | 0.07% | 0.19% | +35 bps | |
| Return on Equity | -2.71% | -0.82% | -1.22% | -0.89% | -1.37% | -1.65% | 0.44% | 1.13% | +201 bps | |
| Net Interest Margin | 2.54% | 2.53% | 2.56% | 2.58% | 2.65% | 2.66% | 2.77% | 2.95% | +38 bps | |
| Efficiency Ratio | 105.35% | 105.80% | 105.48% | 104.02% | 104.80% | 101.63% | 96.15% | 94.52% | -950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.99% | 3.27% | 2.10% | 1.06% | 4.07% | 4.56% | 5.25% | 4.46% | +341 bps | |
| Loan Growth (YoY) | 12.08% | 8.16% | 15.28% | 2.34% | 2.49% | 1.28% | -7.72% | -7.11% | -945 bps | |
| Share Growth (YoY) | -2.06% | 4.52% | 3.09% | 3.25% | 6.91% | 5.99% | 6.46% | 5.33% | +208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.57% | 0.67% | 0.24% | 0.43% | 0.17% | 0.71% | 0.73% | +49 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 | 0.71% | 0.68% | 0.65% | 0.68% | 0.70% | 0.67% | 0.68% | 0.72% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.85% | 17.99% | 18.05% | 17.86% | 17.87% | 16.94% | 17.06% | 17.12% | -74 bps | |
| Net Worth / Assets | 18.85% | 17.99% | 18.05% | 17.86% | 17.87% | 16.94% | 17.06% | 17.12% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.76% | 52.56% | 56.98% | 54.69% | 55.37% | 50.23% | 49.39% | 48.24% | -646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |