Jesup, GA · Charter 18707
NCUA · 6 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 | 1.89% | 1.73% | 1.37% | 1.57% | 1.64% | 1.64% | 1.45% | 1.18% | -39 bps | |
| Return on Equity | 12.53% | 11.58% | 9.40% | 10.44% | 10.54% | 10.41% | 9.51% | 8.25% | -220 bps | |
| Net Interest Margin | 3.39% | 3.31% | 3.30% | 3.37% | 3.49% | 3.50% | 3.53% | 3.30% | -7 bps | |
| Efficiency Ratio | 62.16% | 63.05% | 68.99% | 65.80% | 65.22% | 65.52% | 69.26% | 70.12% | +433 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.86% | 16.59% | 14.72% | 11.57% | 7.95% | 6.16% | 6.94% | 15.90% | +433 bps | |
| Loan Growth (YoY) | 20.63% | 17.65% | 14.85% | 10.52% | 7.20% | 5.13% | 2.60% | 3.22% | -730 bps | |
| Share Growth (YoY) | 15.86% | 18.16% | 14.90% | 11.46% | 8.37% | 4.78% | 6.57% | 17.33% | +587 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.80% | 0.71% | 0.67% | 0.82% | 0.77% | 0.72% | 0.52% | -14 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 | 0.59% | 0.60% | 0.57% | 0.56% | 0.57% | 0.57% | 0.56% | 0.58% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.09% | 14.95% | 14.59% | 15.07% | 15.55% | 15.72% | 15.23% | 14.35% | -72 bps | |
| Net Worth / Assets | 15.09% | 14.95% | 14.59% | 15.07% | 15.55% | 15.72% | 15.23% | 14.35% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.05% | 95.45% | 93.86% | 96.55% | 96.99% | 95.76% | 90.36% | 84.94% | -1,161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.19% | 99.47% | 0.00% | 0.00% | 98.58% | 98.43% | -104 bps | |