Tampa, FL · Charter 22196
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Tampa, FL · Charter 22196
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.46% | 0.96% | 0.64% | 0.00% | -103 bps | |
| Return on Equity | 2.53% | 1.03% | 2.20% | 1.29% | 0.00% | -253 bps | |
| Net Interest Margin | 4.56% | 4.99% | 5.12% | 2.78% | 0.00% | -456 bps | |
| Efficiency Ratio | 80.48% | 78.28% | 73.32% | 77.57% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.13% | 0.11% | 3.89% | -11.85% | -100.00% | -10,613 bps | |
| Loan Growth (YoY) | -33.53% | -31.26% | -28.99% | -29.03% | -100.00% | -6,647 bps | |
| Share Growth (YoY) | 9.19% | -2.19% | 5.78% | -22.29% | -100.00% | -10,919 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.60% | 24.68% | 8.10% | 17.60% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.39% | 12.06% | 15.22% | 19.04% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 40.59% | 44.33% | 43.63% | 49.69% | 100.00% | +5,941 bps | |
| Net Worth / Assets | 40.59% | 44.33% | 43.63% | 49.69% | 100.00% | +5,941 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.29% | 59.20% | 43.32% | 45.01% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |