Thomasville, GA · Charter 13352
NCUA · 2 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.13% | -0.08% | 0.10% | 0.25% | 0.39% | 0.31% | 0.48% | +38 bps | |
| Return on Equity | -1.03% | -1.47% | -0.96% | 1.18% | 3.03% | 4.58% | 3.81% | 5.84% | +466 bps | |
| Net Interest Margin | 3.11% | 3.23% | 3.11% | 3.08% | 3.04% | 3.08% | 2.92% | 2.92% | -16 bps | |
| Efficiency Ratio | 92.77% | 93.19% | 98.13% | 93.28% | 91.55% | 88.38% | 93.04% | 89.28% | -400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 0.82% | 1.06% | 3.48% | 5.79% | 7.36% | 6.35% | 7.04% | +356 bps | |
| Loan Growth (YoY) | 0.70% | -3.83% | -1.72% | -1.27% | -0.23% | -0.26% | 0.76% | 1.42% | +269 bps | |
| Share Growth (YoY) | 1.41% | 1.05% | 1.26% | 3.66% | 6.12% | 7.30% | 6.38% | 6.97% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.76% | 0.61% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.97% | 0.90% | 1.00% | 0.96% | 1.03% | 1.03% | 1.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.66% | 8.13% | 8.20% | 8.18% | 8.45% | 8.11% | 8.22% | +2 bps | |
| Net Worth / Assets | 8.52% | 8.66% | 8.13% | 8.20% | 8.18% | 8.45% | 8.11% | 8.22% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.79% | 53.04% | 48.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |