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Habersham County

Clarkesville, GA · Charter 23054

NCUA · 3 branches

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Habersham County

Clarkesville, GA · Charter 23054

NCUA · 3 branches

Q1 2020

$24.1MAssets
$15.1MLoans
$20.7MShares
$3.4MNet 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 0.91%, up 111 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.61% of loans (+50 bps YoY).
  • Capital: net worth / assets of 14.03%, up 33 bps from a year ago.
  • Funding: loans stand at 73.14% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.91%+111 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-13 bps YoY

Efficiency Ratio (YTD, annualized)

83.78%-16 bps YoY

Net Worth / Assets

14.03%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-0.21%0.83%1.04%0.79%0.91%+111 bps
Return on Equity-1.51%5.75%7.04%5.36%6.47%+797 bps
Net Interest Margin4.39%4.60%4.66%4.68%4.25%-13 bps
Efficiency Ratio83.94%77.66%77.45%82.76%83.78%-16 bps
Growth
Asset Growth (YoY)5.81%1.71%1.12%1.66%5.25%-56 bps
Loan Growth (YoY)20.77%15.67%13.38%11.58%8.60%-1,218 bps
Share Growth (YoY)5.78%0.86%-0.13%1.09%4.72%-106 bps
Asset Quality
Delinquent Loans / Loans0.11%0.15%0.38%0.66%0.61%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.50%0.48%0.40%0.33%-20 bps
Capital
Risk-Based Capital13.70%14.48%14.76%14.78%14.03%+33 bps
Net Worth / Assets13.70%14.48%14.76%14.78%14.03%+33 bps
Liquidity & Funding
Loans / Shares70.53%77.71%78.77%79.11%73.14%+261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps