Elon College, NC · Charter 20505
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.
Elon College, NC · Charter 20505
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 | 0.13% | -0.46% | -0.63% | -0.53% | -0.49% | -62 bps | |
| Return on Equity | 1.24% | -4.19% | -5.28% | -4.43% | -4.20% | -544 bps | |
| Net Interest Margin | 3.18% | 3.37% | 3.68% | 3.69% | 3.35% | +17 bps | |
| Efficiency Ratio | 96.78% | 98.35% | 102.69% | 104.23% | 115.56% | +1,878 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.08% | -12.82% | -21.56% | -19.97% | -12.15% | -307 bps | |
| Loan Growth (YoY) | -7.97% | -1.47% | -2.03% | -3.41% | 4.08% | +1,205 bps | |
| Share Growth (YoY) | -7.61% | -12.71% | -22.54% | -21.71% | -12.85% | -524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.52% | 3.09% | 1.41% | 1.36% | 1.17% | -135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.16% | 1.24% | 1.29% | 1.24% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.75% | 11.03% | 11.90% | 11.93% | 11.56% | +81 bps | |
| Net Worth / Assets | 10.75% | 11.03% | 11.90% | 11.93% | 11.56% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.66% | 56.95% | 64.95% | 63.64% | 66.47% | +1,081 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |