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
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.56% | 0.37% | 0.52% | 0.50% | 0.92% | 1.34% | 1.45% | +94 bps | |
| Return on Equity | 6.36% | 4.13% | 2.68% | 3.67% | 3.24% | 5.93% | 8.25% | 8.65% | +497 bps | |
| Net Interest Margin | 3.66% | 3.62% | 3.63% | 3.69% | 4.05% | 3.76% | 3.85% | 3.82% | +14 bps | |
| Efficiency Ratio | 75.71% | 65.28% | 67.66% | 63.75% | 68.44% | 81.08% | 74.19% | 71.79% | +803 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 4.38% | -0.10% | -4.95% | -10.44% | -9.99% | -10.50% | -9.80% | -485 bps | |
| Loan Growth (YoY) | -4.64% | -6.99% | -8.08% | -7.08% | -8.51% | -10.49% | -11.25% | -11.54% | -446 bps | |
| Share Growth (YoY) | 7.46% | 4.47% | -0.29% | -4.51% | -12.26% | -12.28% | -13.12% | -12.50% | -800 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 1.88% | 3.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.55% | 2.14% | 2.34% | 2.33% | 2.44% | 2.40% | 2.14% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.41% | 13.48% | 13.65% | 14.11% | 15.47% | 15.55% | 16.22% | 16.81% | +270 bps | |
| Net Worth / Assets | 13.41% | 13.48% | 13.65% | 14.11% | 15.47% | 15.55% | 16.22% | 16.81% | +270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.98% | 56.40% | 55.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |