Columbus, GA · Charter 14034
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Columbus, GA · Charter 14034
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.00% | -0.29% | -0.06% | -8.80% | -904 bps | |
| Return on Equity | 1.61% | 0.03% | -1.90% | -0.37% | -64.53% | -6,614 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.82% | 3.79% | 3.58% | -12 bps | |
| Efficiency Ratio | 87.07% | 88.84% | 90.71% | 89.64% | 281% | +19,439 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.52% | -2.78% | -2.97% | -0.26% | -3.93% | -141 bps | |
| Loan Growth (YoY) | -4.80% | -7.30% | -6.28% | -6.09% | -6.81% | -201 bps | |
| Share Growth (YoY) | -1.32% | -2.57% | -2.54% | -1.37% | -2.53% | -121 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 2.25% | 1.41% | 0.80% | 0.88% | -99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.33% | 2.23% | 2.48% | 1.92% | 1.92% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.33% | 15.49% | 15.46% | 15.60% | 13.63% | -170 bps | |
| Net Worth / Assets | 15.33% | 15.49% | 15.46% | 15.60% | 13.63% | -170 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.44% | 53.73% | 54.81% | 54.84% | 51.09% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |