Clarkesville, GA · Charter 23054
NCUA · 3 branches
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.44% | 0.65% | -0.21% | 0.83% | 1.04% | 0.79% | 0.91% | +111 bps | |
| Return on Equity | 1.44% | 3.21% | 4.55% | -1.51% | 5.75% | 7.04% | 5.36% | 6.47% | +797 bps | |
| Net Interest Margin | 4.16% | 4.21% | 4.32% | 4.39% | 4.60% | 4.66% | 4.68% | 4.25% | -13 bps | |
| Efficiency Ratio | 91.52% | 88.52% | 87.23% | 83.94% | 77.66% | 77.45% | 82.76% | 83.78% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 5.86% | 10.12% | 5.81% | 1.71% | 1.12% | 1.66% | 5.25% | -56 bps | |
| Loan Growth (YoY) | 20.86% | 24.64% | 20.19% | 20.77% | 15.67% | 13.38% | 11.58% | 8.60% | -1,218 bps | |
| Share Growth (YoY) | 8.80% | 6.48% | 10.76% | 5.78% | 0.86% | -0.13% | 1.09% | 4.72% | -106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.31% | 0.06% | 0.11% | 0.15% | 0.38% | 0.66% | 0.61% | +50 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 | 0.37% | 0.06% | 0.20% | 0.53% | 0.50% | 0.48% | 0.40% | 0.33% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.75% | 13.83% | 14.22% | 13.70% | 14.48% | 14.76% | 14.78% | 14.03% | +33 bps | |
| Net Worth / Assets | 13.75% | 13.83% | 14.22% | 13.70% | 14.48% | 14.76% | 14.78% | 14.03% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.76% | 69.38% | 71.67% | 70.53% | 77.71% | 78.77% | 79.11% | 73.14% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |