Waycross, GA · Charter 17201
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.97% | 0.65% | 0.82% | 0.58% | 0.56% | -19.12% | -12.90% | -1,373 bps | |
| Return on Equity | 10.82% | 9.11% | 6.23% | 7.61% | 5.41% | 5.48% | -429% | -368% | -37,554 bps | |
| Net Interest Margin | 3.43% | 3.58% | 4.00% | 4.06% | 4.00% | 3.78% | 3.09% | 3.36% | -70 bps | |
| Efficiency Ratio | 70.17% | 71.65% | 88.74% | 86.43% | 87.16% | 87.58% | 200% | 204% | +11,730 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | 2.60% | 0.85% | 2.10% | 4.12% | 10.67% | 17.39% | 9.91% | +780 bps | |
| Loan Growth (YoY) | 27.50% | 31.43% | 22.89% | 17.31% | 16.32% | 8.69% | 3.09% | -0.15% | -1,746 bps | |
| Share Growth (YoY) | 2.04% | 1.79% | -0.11% | 1.11% | 0.73% | 12.56% | 25.20% | 18.82% | +1,771 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.82% | 0.36% | 1.15% | 0.87% | 0.97% | 6.47% | 3.21% | +206 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 | 0.22% | 0.40% | 0.35% | 0.19% | 0.38% | 0.25% | 5.67% | 5.61% | +543 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.58% | 10.65% | 10.51% | 10.83% | 10.68% | 10.16% | 4.46% | 3.51% | -732 bps | |
| Net Worth / Assets | 10.58% | 10.65% | 10.51% | 10.83% | 10.68% | 10.16% | 4.46% | 3.51% | -732 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.95% | 85.85% | 83.46% | 86.91% | 92.32% | 82.90% | 68.71% | 73.03% | -1,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |