Merritt Island, FL · Charter 15605
NCUA · 17 branches
Q2 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.53% | 0.33% | 0.46% | 0.57% | 0.50% | -0.12% | 0.05% | -41 bps | |
| Return on Equity | 5.53% | 4.17% | 2.69% | 3.68% | 4.42% | 3.85% | -0.96% | 0.39% | -328 bps | |
| Net Interest Margin | 3.28% | 3.38% | 3.54% | 3.62% | 3.73% | 3.76% | 3.80% | 3.50% | -11 bps | |
| Efficiency Ratio | 78.49% | 80.85% | 84.04% | 82.31% | 80.35% | 80.35% | 92.87% | 90.29% | +798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 1.46% | 1.03% | 0.83% | 0.74% | 1.92% | 2.10% | 9.88% | +905 bps | |
| Loan Growth (YoY) | 16.64% | 17.71% | 15.55% | 15.71% | 16.31% | 18.22% | 18.30% | 18.77% | +306 bps | |
| Share Growth (YoY) | 4.01% | 1.41% | -0.16% | -0.77% | -0.71% | 0.75% | 1.93% | 11.34% | +1,211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.31% | 0.24% | 0.29% | 0.34% | 0.39% | 0.32% | 0.08% | -21 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 | 0.87% | 0.89% | 0.89% | 0.88% | 0.87% | 0.88% | 0.84% | 0.82% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.53% | 12.65% | 12.40% | 12.52% | 12.87% | 12.91% | 12.52% | 11.66% | -86 bps | |
| Net Worth / Assets | 12.53% | 12.65% | 12.40% | 12.52% | 12.87% | 12.91% | 12.52% | 11.66% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.29% | 65.21% | 65.53% | 68.74% | 72.96% | 76.51% | 76.05% | 73.33% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |