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Greenville Gas Turbine Employees

Greenville, SC · Charter 22452

NCUA · 2 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Greenville Gas Turbine Employees

Greenville, SC · Charter 22452

NCUA · 2 branches

Q3 2019

$24.7MAssets
$11.4MLoans
$20.4MShares
$4.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.45%, up 94 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 1.61% of loans (-26 bps YoY).
  • Capital: net worth / assets of 16.81%, up 270 bps from a year ago.
  • Funding: loans stand at 55.81% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.45%+94 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+14 bps YoY

Efficiency Ratio (YTD, annualized)

71.79%+803 bps YoY

Net Worth / Assets

16.81%+270 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.52%0.50%0.92%1.34%1.45%+94 bps
Return on Equity3.67%3.24%5.93%8.25%8.65%+497 bps
Net Interest Margin3.69%4.05%3.76%3.85%3.82%+14 bps
Efficiency Ratio63.75%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 / Loans1.86%1.99%1.95%1.09%1.61%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.34%2.33%2.44%2.40%2.14%-19 bps
Capital
Risk-Based Capital14.11%15.47%15.55%16.22%16.81%+270 bps
Net Worth / Assets14.11%15.47%15.55%16.22%16.81%+270 bps
Liquidity & Funding
Loans / Shares55.20%60.46%57.55%56.49%55.81%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps