Clearwater, FL · Charter 19588
NCUA · 3 branches
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.
Clearwater, FL · Charter 19588
NCUA · 3 branches
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.08% | 0.07% | -0.15% | -0.24% | -35 bps | |
| Return on Equity | 1.08% | 0.77% | 0.75% | -1.60% | -2.70% | -378 bps | |
| Net Interest Margin | 3.04% | 3.00% | 2.71% | 2.74% | 2.58% | -47 bps | |
| Efficiency Ratio | 95.86% | 96.24% | 94.67% | 99.10% | 99.92% | +406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.52% | 3.86% | 7.94% | 1.58% | 8.37% | +989 bps | |
| Loan Growth (YoY) | 0.42% | 1.78% | -0.55% | -6.02% | -9.13% | -955 bps | |
| Share Growth (YoY) | -2.52% | 1.85% | 8.72% | 1.71% | 9.65% | +1,217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.03% | 0.06% | 0.25% | 0.02% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.14% | 0.15% | 0.14% | 0.20% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.84% | 9.83% | 9.17% | 9.35% | 8.90% | -94 bps | |
| Net Worth / Assets | 9.84% | 9.83% | 9.17% | 9.35% | 8.90% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.28% | 48.73% | 43.18% | 42.12% | 39.18% | -810 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |