Augusta, GA · Charter 15885
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Augusta, GA · Charter 15885
NCUA · 1 branch
Q2 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | -0.91% | -2.20% | -0.17% | -3.77% | -304 bps | |
| Return on Equity | -8.89% | -10.83% | -31.34% | -2.65% | -82.10% | -7,321 bps | |
| Net Interest Margin | 5.71% | 6.02% | 6.32% | 5.11% | 5.29% | -42 bps | |
| Efficiency Ratio | 96.70% | 94.78% | 95.35% | 95.20% | 96.35% | -35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.81% | -3.62% | 4.61% | 5.06% | 2.16% | -64 bps | |
| Loan Growth (YoY) | 0.31% | 2.07% | -3.11% | -9.86% | -18.52% | -1,882 bps | |
| Share Growth (YoY) | 4.36% | 3.34% | 7.87% | 7.89% | 5.90% | +155 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.19% | 4.69% | 5.66% | 6.44% | 2.29% | -290 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.64% | 2.03% | 2.09% | 3.68% | +307 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.30% | 8.37% | 7.02% | 6.27% | 4.60% | -370 bps | |
| Net Worth / Assets | 8.30% | 8.37% | 7.02% | 6.27% | 4.60% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.30% | 57.73% | 59.05% | 48.33% | 44.86% | -1,344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |