Greenwood, SC · Charter 22098
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.11% | -0.34% | -0.03% | -0.40% | -0.29% | -0.57% | -6.74% | -671 bps | |
| Return on Equity | -0.93% | -1.01% | -3.16% | -0.26% | -4.12% | -2.87% | -5.60% | -83.29% | -8,303 bps | |
| Net Interest Margin | 3.69% | 3.64% | 3.54% | 3.20% | 3.07% | 3.10% | 3.30% | 3.01% | -19 bps | |
| Efficiency Ratio | 102.18% | 98.33% | 102.94% | 100.63% | 105.72% | 104.07% | 101.06% | 248% | +14,767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 9.98% | 8.72% | 15.00% | 10.54% | 7.70% | 1.12% | -1.69% | -1,669 bps | |
| Loan Growth (YoY) | -10.59% | -11.35% | -8.00% | -7.16% | -6.20% | -8.35% | -7.06% | -6.15% | +101 bps | |
| Share Growth (YoY) | 9.82% | 11.33% | 10.21% | 17.14% | 12.52% | 9.47% | 2.19% | -0.56% | -1,769 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 0.68% | 1.49% | 1.24% | 1.65% | 2.49% | 2.17% | 4.00% | +275 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 | 0.58% | 0.57% | 0.66% | 0.61% | 0.64% | 0.56% | 1.03% | 1.03% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.34% | 11.25% | 10.82% | 10.14% | 9.79% | 9.99% | 10.13% | 8.09% | -205 bps | |
| Net Worth / Assets | 11.34% | 11.25% | 10.82% | 10.14% | 9.79% | 9.99% | 10.13% | 8.09% | -205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.72% | 60.52% | 59.67% | 53.48% | 51.45% | 50.66% | 54.27% | 50.47% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |