Thomasville, GA · Charter 13352
NCUA · 2 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Thomasville, GA · Charter 13352
NCUA · 2 branches
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.25% | 0.39% | 0.31% | 0.48% | +38 bps | |
| Return on Equity | 1.18% | 3.03% | 4.58% | 3.81% | 5.84% | +466 bps | |
| Net Interest Margin | 3.08% | 3.04% | 3.08% | 2.92% | 2.92% | -16 bps | |
| Efficiency Ratio | 93.28% | 91.55% | 88.38% | 93.04% | 89.28% | -400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 5.79% | 7.36% | 6.35% | 7.04% | +356 bps | |
| Loan Growth (YoY) | -1.27% | -0.23% | -0.26% | 0.76% | 1.42% | +269 bps | |
| Share Growth (YoY) | 3.66% | 6.12% | 7.30% | 6.38% | 6.97% | +331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.25% | 0.35% | 0.30% | 0.35% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.96% | 1.03% | 1.03% | 1.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.20% | 8.18% | 8.45% | 8.11% | 8.22% | +2 bps | |
| Net Worth / Assets | 8.20% | 8.18% | 8.45% | 8.11% | 8.22% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.74% | 47.75% | 49.30% | 46.04% | 46.21% | -253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |