Shenandoah, GA · Charter 20209
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Shenandoah, GA · Charter 20209
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 0.94% | 1.01% | 0.93% | -4.41% | -607 bps | |
| Return on Equity | 4.31% | 2.44% | 2.55% | 2.34% | -11.14% | -1,546 bps | |
| Net Interest Margin | 4.52% | 4.28% | 4.38% | 4.34% | -0.14% | -465 bps | |
| Efficiency Ratio | 92.00% | 97.19% | 96.35% | 96.46% | 2495% | +240,349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.22% | -2.00% | -2.72% | -0.31% | -3.80% | -58 bps | |
| Loan Growth (YoY) | -5.34% | -4.96% | -7.59% | -4.99% | -5.05% | +30 bps | |
| Share Growth (YoY) | -6.67% | -4.47% | -5.78% | -1.89% | -5.15% | +151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 1.68% | 1.87% | 3.77% | 0.66% | -112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.52% | 2.65% | 2.53% | 2.35% | 1.62% | -90 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.64% | 38.55% | 39.64% | 39.75% | 39.53% | +89 bps | |
| Net Worth / Assets | 38.64% | 38.55% | 39.64% | 39.75% | 39.53% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.85% | 86.60% | 87.09% | 89.86% | 84.95% | +10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |