Pensacola, FL · Charter 14635
NCUA · 2 branches
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.65% | -1.10% | -1.21% | -2.72% | -1.11% | -0.42% | -0.56% | +65 bps | |
| Return on Equity | -2.31% | -8.86% | -15.38% | -17.04% | -43.15% | -17.74% | -6.83% | -9.86% | +718 bps | |
| Net Interest Margin | 3.51% | 3.67% | 3.88% | 4.07% | 3.75% | 3.54% | 3.25% | 2.98% | -109 bps | |
| Efficiency Ratio | 91.55% | 89.01% | 88.17% | 88.60% | 90.60% | 90.59% | 94.73% | 98.82% | +1,022 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.01% | -5.63% | -8.97% | -8.45% | -7.89% | -4.18% | 3.72% | 13.61% | +2,207 bps | |
| Loan Growth (YoY) | 16.65% | 11.77% | 4.91% | 3.88% | -3.91% | -13.66% | -19.53% | -26.37% | -3,025 bps | |
| Share Growth (YoY) | -4.16% | -5.97% | -8.63% | -8.20% | -6.57% | -2.83% | 4.96% | 15.89% | +2,409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.87% | 1.33% | 1.29% | 2.70% | 0.88% | 1.74% | 1.34% | +5 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 | 1.04% | 1.43% | 2.06% | 2.59% | 3.31% | 3.18% | 2.48% | 2.66% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.53% | 7.32% | 7.13% | 7.08% | 6.31% | 6.23% | 6.20% | 5.65% | -143 bps | |
| Net Worth / Assets | 7.53% | 7.32% | 7.13% | 7.08% | 6.31% | 6.23% | 6.20% | 5.65% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.59% | 57.19% | 59.42% | 62.28% | 56.15% | 50.81% | 45.56% | 39.57% | -2,271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |