Greenville, SC · Charter 22452
NCUA · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Greenville, SC · Charter 22452
NCUA · 2 branches
Q3 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.50% | 0.92% | 1.34% | 1.45% | +94 bps | |
| Return on Equity | 3.67% | 3.24% | 5.93% | 8.25% | 8.65% | +497 bps | |
| Net Interest Margin | 3.69% | 4.05% | 3.76% | 3.85% | 3.82% | +14 bps | |
| Efficiency Ratio | 63.75% | 68.44% | 81.08% | 74.19% | 71.79% | +803 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.95% | -10.44% | -9.99% | -10.50% | -9.80% | -485 bps | |
| Loan Growth (YoY) | -7.08% | -8.51% | -10.49% | -11.25% | -11.54% | -446 bps | |
| Share Growth (YoY) | -4.51% | -12.26% | -12.28% | -13.12% | -12.50% | -800 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 1.99% | 1.95% | 1.09% | 1.61% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.34% | 2.33% | 2.44% | 2.40% | 2.14% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.11% | 15.47% | 15.55% | 16.22% | 16.81% | +270 bps | |
| Net Worth / Assets | 14.11% | 15.47% | 15.55% | 16.22% | 16.81% | +270 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.20% | 60.46% | 57.55% | 56.49% | 55.81% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |