Toccoa, GA · Charter 13797
NCUA · 2 branches
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 | 0.35% | 0.49% | 0.35% | 0.35% | 0.44% | -0.95% | -0.07% | 0.25% | -10 bps | |
| Return on Equity | 1.84% | 2.56% | 1.81% | 1.72% | 2.10% | -4.94% | -0.34% | 1.22% | -50 bps | |
| Net Interest Margin | 2.92% | 2.93% | 2.93% | 2.89% | 2.95% | 2.75% | 2.77% | 2.89% | 0 bps | |
| Efficiency Ratio | 88.65% | 83.26% | 88.00% | 88.04% | 85.37% | 133.05% | 111.60% | 98.23% | +1,018 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 2.89% | 0.55% | 0.15% | -1.85% | -0.62% | -0.29% | -3.28% | -343 bps | |
| Loan Growth (YoY) | -6.43% | -3.00% | -2.21% | -1.39% | -0.74% | -5.63% | -0.42% | -0.29% | +110 bps | |
| Share Growth (YoY) | 4.69% | 3.06% | -0.04% | -1.63% | -4.21% | -2.25% | -2.04% | -4.41% | -278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.69% | 0.68% | 0.27% | 0.16% | 0.17% | 0.14% | 0.13% | -14 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 | 0.52% | 0.55% | 0.58% | 0.55% | 0.54% | 0.77% | 0.45% | 0.38% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.18% | 19.05% | 19.36% | 20.31% | 21.07% | 19.24% | 19.62% | 20.27% | -5 bps | |
| Net Worth / Assets | 19.18% | 19.05% | 19.36% | 20.31% | 21.07% | 19.24% | 19.62% | 20.27% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.94% | 59.84% | 60.88% | 61.31% | 63.15% | 57.77% | 61.89% | 63.96% | +265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |