Florence, SC · Charter 22384
NCUA · 2 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 2.00% | -16.31% | -8.11% | -7.86% | -10.44% | -10.08% | -7.26% | +85 bps | |
| Return on Equity | 16.11% | 15.87% | -169.71% | -86.63% | -103.13% | -209% | -390% | -520% | -43,294 bps | |
| Net Interest Margin | 4.48% | 4.35% | 6.05% | 5.65% | 5.35% | 5.63% | 4.47% | 3.97% | -168 bps | |
| Efficiency Ratio | 41.13% | 40.87% | 34.53% | 37.28% | 40.90% | 49.02% | 58.46% | 73.00% | +3,572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.78% | 62.65% | 32.07% | 18.81% | 3.94% | -17.13% | -13.13% | -13.57% | -3,238 bps | |
| Loan Growth (YoY) | 66.73% | 68.96% | 46.35% | 17.37% | -9.08% | -27.77% | -35.25% | -37.80% | -5,517 bps | |
| Share Growth (YoY) | 45.51% | 50.49% | 47.82% | 29.14% | 21.05% | 2.22% | -4.15% | -5.86% | -3,500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.84% | 14.77% | 8.38% | 14.82% | 15.18% | 16.70% | 13.91% | 15.20% | +38 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 | 0.94% | 1.05% | 5.87% | 5.79% | 5.78% | 5.44% | 6.85% | 6.34% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.92% | 12.61% | 9.61% | 9.36% | 7.62% | 5.00% | 2.58% | 1.40% | -796 bps | |
| Net Worth / Assets | 13.92% | 12.61% | 9.61% | 9.36% | 7.62% | 5.00% | 2.58% | 1.40% | -796 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.57% | 123.98% | 113.66% | 100.04% | 87.56% | 87.61% | 76.78% | 66.09% | -3,394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |