West Union, SC · Charter 21419
NCUA · 2 branches
Q1 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.78% | -0.13% | -0.09% | -0.21% | -31 bps | |
| Return on Equity | 0.52% | -3.82% | -0.60% | -0.41% | -0.79% | -131 bps | |
| Net Interest Margin | 1.75% | 1.86% | 2.02% | 2.17% | 2.29% | +55 bps | |
| Efficiency Ratio | 95.00% | 137.45% | 105.88% | 104.01% | 109.14% | +1,415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.91% | -5.62% | -8.60% | -15.02% | -25.09% | -2,118 bps | |
| Loan Growth (YoY) | 20.82% | 3.78% | 11.02% | -11.62% | -23.25% | -4,407 bps | |
| Share Growth (YoY) | -4.52% | -6.60% | -10.44% | -18.58% | -31.25% | -2,673 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.18% | 0.77% | 0.88% | 0.82% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.98% | 20.31% | 21.47% | 22.66% | 26.47% | +649 bps | |
| Net Worth / Assets | 19.98% | 20.31% | 21.47% | 22.66% | 26.47% | +649 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.53% | 34.99% | 38.46% | 36.13% | 38.55% | +402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |