Ware Shoals, SC · Charter 22215
NCUA · 4 branches
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.16% | 0.78% | 0.98% | 0.95% | -35 bps | |
| Return on Equity | 8.48% | 7.61% | 5.24% | 6.42% | 5.98% | -250 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.60% | 3.65% | 3.77% | +19 bps | |
| Efficiency Ratio | 76.30% | 76.24% | 81.69% | 80.81% | 82.12% | +581 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.44% | 16.96% | 12.17% | 9.16% | 2.23% | -1,721 bps | |
| Loan Growth (YoY) | 2.51% | 3.49% | 5.01% | 3.59% | 1.44% | -106 bps | |
| Share Growth (YoY) | 21.21% | 18.60% | 12.87% | 9.36% | 1.36% | -1,984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.08% | 0.06% | 0.12% | 0.10% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.24% | 0.29% | 0.26% | 0.24% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.25% | 15.29% | 14.99% | 15.28% | 15.83% | +58 bps | |
| Net Worth / Assets | 15.25% | 15.29% | 14.99% | 15.28% | 15.83% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.02% | 88.16% | 84.87% | 84.34% | 88.09% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |