Monroeville, AL · Charter 12709
NCUA · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Monroeville, AL · Charter 12709
NCUA · 2 branches
Q2 2019
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.19% | -5.91% | -3.80% | -2.03% | -1.25% | -0.45% | -5.49% | -3.16% | -113 bps | |
| Return on Equity | -55.15% | -106.46% | -87.59% | -45.05% | -27.18% | -8.92% | -152.20% | -93.94% | -4,889 bps | |
| Net Interest Margin | 4.66% | 4.85% | 5.06% | 4.87% | 4.93% | 4.81% | 3.90% | 3.68% | -119 bps | |
| Efficiency Ratio | 103.13% | 106.38% | 99.91% | 88.43% | 86.40% | 82.16% | 117.71% | 118.95% | +3,051 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -14.99% | -12.63% | -9.44% | -6.10% | 0.09% | -2.66% | 2.51% | +1,194 bps | |
| Loan Growth (YoY) | -21.94% | -17.40% | -10.07% | -11.97% | -8.41% | -15.93% | -22.17% | -28.93% | -1,696 bps | |
| Share Growth (YoY) | -7.93% | -10.66% | -8.75% | -6.05% | -3.24% | -0.10% | -1.74% | 3.85% | +990 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.51% | 4.73% | 2.86% | 3.69% | 3.29% | 8.19% | 1.95% | 1.83% | -186 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 | 1.78% | 3.97% | 4.71% | 4.94% | 5.15% | 5.49% | 6.01% | 7.05% | +210 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.60% | 5.55% | 4.33% | 4.50% | 4.60% | 5.09% | 3.61% | 3.36% | -114 bps | |
| Net Worth / Assets | 7.60% | 5.55% | 4.33% | 4.50% | 4.60% | 5.09% | 3.61% | 3.36% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.47% | 54.34% | 49.37% | 51.55% | 49.67% | 45.73% | 39.10% | 35.28% | -1,627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |