Macclenny, FL · Charter 18288
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Macclenny, FL · Charter 18288
NCUA · 2 branches
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.28% | 1.18% | 1.21% | 1.28% | +19 bps | |
| Return on Equity | 13.41% | 15.40% | 13.84% | 13.81% | 14.78% | +137 bps | |
| Net Interest Margin | 4.12% | 4.01% | 4.04% | 4.03% | 3.95% | -17 bps | |
| Efficiency Ratio | 72.94% | 72.61% | 74.59% | 73.25% | 75.12% | +218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.65% | 10.66% | 8.80% | 10.53% | 8.89% | -176 bps | |
| Loan Growth (YoY) | 3.38% | 3.43% | 1.36% | 0.53% | 1.81% | -157 bps | |
| Share Growth (YoY) | 9.51% | 10.16% | 8.14% | 9.78% | 8.11% | -140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.65% | 0.88% | 0.91% | 0.22% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.89% | 0.88% | 0.90% | 0.79% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.09% | 8.29% | 8.53% | 8.76% | 8.65% | +56 bps | |
| Net Worth / Assets | 8.09% | 8.29% | 8.53% | 8.76% | 8.65% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.87% | 81.35% | 82.52% | 81.34% | 77.09% | -477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |