Clayton, GA · Charter 22672
NCUA · 1 branch
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.78% | -1.19% | -2.27% | -12.14% | -12.11% | -1,133 bps | |
| Return on Equity | -3.44% | -5.41% | -11.77% | -79.44% | -95.83% | -9,239 bps | |
| Net Interest Margin | 1.15% | 1.18% | 0.80% | 0.62% | -2.01% | -317 bps | |
| Efficiency Ratio | 166.21% | 199.46% | 377% | 1919% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | 3.53% | 14.51% | 5.82% | 1.42% | -250 bps | |
| Loan Growth (YoY) | -21.91% | -3.38% | -3.42% | -19.50% | -18.29% | +363 bps | |
| Share Growth (YoY) | 6.70% | 6.33% | 21.47% | 17.02% | 14.78% | +808 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.99% | 1.73% | 1.87% | 0.00% | 0.00% | -199 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.61% | 22.02% | 19.25% | 15.28% | 12.63% | -998 bps | |
| Net Worth / Assets | 22.61% | 22.02% | 19.25% | 15.28% | 12.63% | -998 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |