Orlando, FL · Charter 1976
NCUA · 22 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.62% | 0.59% | 1.08% | 0.99% | 0.94% | 0.91% | 0.65% | -43 bps | |
| Return on Equity | 6.15% | 5.83% | 5.52% | 10.02% | 9.02% | 8.46% | 8.04% | 5.75% | -427 bps | |
| Net Interest Margin | 2.91% | 2.95% | 2.99% | 3.12% | 3.15% | 3.14% | 3.17% | 3.18% | +6 bps | |
| Efficiency Ratio | 77.39% | 76.84% | 75.69% | 71.69% | 74.22% | 74.40% | 75.21% | 79.90% | +821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.71% | 7.25% | 8.26% | 5.21% | 2.84% | 3.50% | 3.42% | 2.92% | -229 bps | |
| Loan Growth (YoY) | 17.51% | 16.79% | 17.65% | 20.86% | 18.17% | 15.96% | 12.99% | 10.22% | -1,064 bps | |
| Share Growth (YoY) | 9.74% | 8.23% | 8.59% | 5.52% | 3.29% | 2.28% | 1.24% | 1.58% | -394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.44% | 0.32% | 0.20% | 0.26% | 0.25% | 0.27% | 0.19% | -1 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 | 1.39% | 1.36% | 1.31% | 1.19% | 1.10% | 1.03% | 0.94% | 0.85% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.52% | 10.61% | 10.73% | 10.74% | 10.98% | 11.08% | 11.28% | 11.22% | +48 bps | |
| Net Worth / Assets | 10.52% | 10.61% | 10.73% | 10.74% | 10.98% | 11.08% | 11.28% | 11.22% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.37% | 60.38% | 62.72% | 63.61% | 65.63% | 68.45% | 70.00% | 69.02% | +541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |