Columbus, GA · Charter 14034
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.30% | 0.35% | 0.25% | 0.00% | -0.29% | -0.06% | -8.80% | -904 bps | |
| Return on Equity | 1.68% | 2.00% | 2.27% | 1.61% | 0.03% | -1.90% | -0.37% | -64.53% | -6,614 bps | |
| Net Interest Margin | 3.91% | 3.96% | 4.04% | 3.70% | 3.75% | 3.82% | 3.79% | 3.58% | -12 bps | |
| Efficiency Ratio | 84.48% | 83.67% | 84.75% | 87.07% | 88.84% | 90.71% | 89.64% | 281% | +19,439 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | 0.05% | -2.96% | -2.52% | -2.78% | -2.97% | -0.26% | -3.93% | -141 bps | |
| Loan Growth (YoY) | 0.72% | -0.17% | -1.88% | -4.80% | -7.30% | -6.28% | -6.09% | -6.81% | -201 bps | |
| Share Growth (YoY) | 2.20% | -0.73% | -1.35% | -1.32% | -2.57% | -2.54% | -1.37% | -2.53% | -121 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 2.57% | 2.91% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 2.30% | 2.26% | 2.33% | 2.23% | 2.48% | 1.92% | 1.92% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.84% | 15.10% | 15.61% | 15.33% | 15.49% | 15.46% | 15.60% | 13.63% | -170 bps | |
| Net Worth / Assets | 14.84% | 15.10% | 15.61% | 15.33% | 15.49% | 15.46% | 15.60% | 13.63% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.47% | 56.99% | 57.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |