Clayton, GA · Charter 22672
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Clayton, GA · Charter 22672
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -0.31% | -0.86% | -0.78% | -1.19% | -2.27% | -12.14% | -12.11% | -1,133 bps | |
| Return on Equity | -4.31% | -1.30% | -3.68% | -3.44% | -5.41% | -11.77% | -79.44% | -95.83% | -9,239 bps | |
| Net Interest Margin | 1.51% | 1.18% | 1.07% | 1.15% | 1.18% | 0.80% | 0.62% | -2.01% | -317 bps | |
| Efficiency Ratio | 167.54% | 125.82% | 179.25% | 166.21% | 199.46% | 377% | 1919% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | -2.02% | -2.78% | 3.92% | 3.53% | 14.51% | 5.82% | 1.42% | -250 bps | |
| Loan Growth (YoY) | -37.72% | -31.15% | -30.22% | -21.91% | -3.38% | -3.42% | -19.50% | -18.29% | +363 bps | |
| Share Growth (YoY) | 2.36% | -1.34% | -2.32% | 6.70% | 6.33% | 21.47% | 17.02% | 14.78% | +808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.41% | 5.35% | 7.68% | 6.78% | 14.20% | 4.95% | 1.38% | 1.16% | -562 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 | 1.67% | 1.81% | 2.05% | 1.99% | 1.73% | 1.87% | 0.00% | 0.00% | -199 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.03% | 23.84% | 23.36% | 22.61% | 22.02% | 19.25% | 15.28% | 12.63% | -998 bps | |
| Net Worth / Assets | 24.03% | 23.84% | 23.36% | 22.61% | 22.02% | 19.25% | 15.28% | 12.63% | -998 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.34% | 26.93% | 23.40% | 23.36% | 26.66% | 21.41% | 16.10% | 16.63% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |