Augusta, GA · Charter 12908
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.25% | -0.09% | -0.08% | -0.09% | +13 bps | |
| Return on Equity | -1.70% | -1.93% | -0.69% | -0.66% | -0.70% | +100 bps | |
| Net Interest Margin | 2.82% | 2.89% | 2.77% | 2.83% | 3.01% | +19 bps | |
| Efficiency Ratio | 96.83% | 96.82% | 96.56% | 94.74% | 96.22% | -61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.16% | -0.25% | 1.97% | 0.10% | -3.47% | -232 bps | |
| Loan Growth (YoY) | -3.61% | -2.06% | 5.03% | 8.36% | 7.27% | +1,088 bps | |
| Share Growth (YoY) | 0.57% | 0.65% | 3.25% | -0.73% | -2.15% | -272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.53% | 1.10% | 1.19% | 1.84% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.87% | 0.89% | 1.05% | 0.96% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.95% | 13.16% | 12.75% | 12.76% | 13.26% | +31 bps | |
| Net Worth / Assets | 12.95% | 13.16% | 12.75% | 12.76% | 13.26% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.73% | 40.92% | 38.89% | 40.12% | 43.56% | +383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |