Jacksonville, FL · Charter 16424
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 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.
Jacksonville, FL · Charter 16424
NCUA · 1 branch
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.49% | -3.26% | -2.81% | -9.53% | -6.94% | -3.46% | -25.50% | -7.28% | +225 bps | |
| Return on Equity | -23.92% | -25.37% | -20.92% | -103.90% | -73.77% | -34.30% | -68870% | -108.80% | -490 bps | |
| Net Interest Margin | 3.87% | 3.97% | 4.10% | 4.54% | 4.58% | 4.40% | 4.87% | 4.43% | -11 bps | |
| Efficiency Ratio | 147.94% | 169.94% | 161.53% | 281% | 232% | 171.85% | 1140% | 439% | +15,773 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.93% | -8.17% | -3.96% | -15.01% | -12.18% | -22.16% | -33.45% | -22.67% | -766 bps | |
| Loan Growth (YoY) | 0.15% | -2.65% | 8.68% | -6.92% | -17.90% | -20.28% | -31.29% | -33.52% | -2,660 bps | |
| Share Growth (YoY) | -3.17% | -4.67% | -5.21% | -9.58% | -6.21% | -19.61% | -21.26% | -20.56% | -1,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.36% | 2.60% | 2.12% | 2.41% | 0.56% | 1.09% | 0.00% | 0.33% | -208 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 | 4.39% | 3.72% | 3.59% | 3.20% | 3.53% | 3.90% | 22.00% | 3.66% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 12.86% | 13.45% | 9.17% | 9.41% | 10.09% | 0.04% | 6.69% | -248 bps | |
| Net Worth / Assets | 14.61% | 12.86% | 13.45% | 9.17% | 9.41% | 10.09% | 0.04% | 6.69% | -248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.66% | 45.63% | 48.52% | 46.75% | 42.60% | 45.25% | 42.34% | 39.13% | -763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |