Jacksonville, FL · Charter 13807
NCUA · 1 branch
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 | 0.10% | 0.01% | 0.32% | -0.12% | -0.69% | -2.70% | -3.03% | -7.00% | -689 bps | |
| Return on Equity | 1.18% | 0.13% | 3.87% | -1.38% | -8.69% | -41.60% | -53.98% | -68.37% | -6,699 bps | |
| Net Interest Margin | 3.21% | 3.11% | 3.10% | 3.15% | 3.08% | 3.29% | 2.93% | 5.52% | +237 bps | |
| Efficiency Ratio | 96.80% | 99.23% | 91.60% | 103.01% | 118.10% | 132.62% | 185.73% | 206% | +10,310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 6.29% | -3.46% | 3.28% | 4.89% | -9.09% | -8.07% | -56.33% | -5,961 bps | |
| Loan Growth (YoY) | 3.42% | -1.05% | 2.60% | -1.23% | -12.05% | -11.36% | -20.98% | -100.00% | -9,877 bps | |
| Share Growth (YoY) | -0.43% | 6.74% | -3.92% | 2.40% | 5.91% | -7.22% | -5.31% | -57.18% | -5,958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 2.20% | 1.21% | 1.54% | 1.84% | 0.00% | 0.15% | n/a | n/a | |
| 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 | 0.43% | 0.45% | 0.44% | 0.45% | 0.49% | 1.69% | 1.85% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 8.90% | 8.37% | 8.36% | 8.44% | 7.91% | 6.50% | 5.61% | 10.24% | +180 bps | |
| Net Worth / Assets | 8.90% | 8.37% | 8.36% | 8.44% | 7.91% | 6.50% | 5.61% | 10.24% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.30% | 59.64% | 60.50% | 60.40% | 55.06% | 56.98% | 50.48% | 0.00% | -6,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |