Augusta, GA · Charter 14228
NCUA · 5 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Augusta, GA · Charter 14228
NCUA · 5 branches
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -0.24% | -0.10% | 0.00% | -0.03% | +22 bps | |
| Return on Equity | -2.53% | -2.49% | -1.10% | 0.03% | -0.30% | +223 bps | |
| Net Interest Margin | 3.66% | 3.67% | 3.52% | 3.63% | 3.50% | -16 bps | |
| Efficiency Ratio | 85.00% | 84.69% | 83.83% | 81.79% | 84.82% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.40% | 22.00% | 27.64% | 1.95% | 4.72% | -1,667 bps | |
| Loan Growth (YoY) | 25.28% | 23.22% | 17.91% | 6.75% | 5.25% | -2,003 bps | |
| Share Growth (YoY) | 20.43% | 21.18% | 27.22% | 2.34% | 5.19% | -1,524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.32% | 0.91% | 1.40% | 1.23% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.41% | 1.46% | 1.54% | 1.48% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.79% | 9.72% | 9.32% | 9.68% | 9.40% | -39 bps | |
| Net Worth / Assets | 9.79% | 9.72% | 9.32% | 9.68% | 9.40% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.79% | 89.03% | 84.48% | 89.50% | 86.84% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |