Orlando, FL · Charter 23101
NCUA · 5 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Orlando, FL · Charter 23101
NCUA · 5 branches
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.56% | 0.69% | 0.04% | -0.58% | -74 bps | |
| Return on Equity | 2.43% | 8.95% | 10.70% | 0.66% | -10.38% | -1,280 bps | |
| Net Interest Margin | 3.28% | 3.58% | 3.68% | 3.61% | 3.69% | +40 bps | |
| Efficiency Ratio | 84.79% | 77.15% | 72.08% | 75.92% | 79.22% | -557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.83% | 2.72% | 3.58% | 7.07% | 1.95% | -488 bps | |
| Loan Growth (YoY) | 11.29% | 17.63% | 19.35% | 5.25% | -1.16% | -1,245 bps | |
| Share Growth (YoY) | 8.14% | 2.84% | 2.94% | 7.84% | 3.27% | -487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 1.10% | 1.14% | 1.32% | 1.85% | +77 bps | |
| Net Charge-Offs / Loans | n/a | 0.17% | 0.17% | 0.15% | 0.14% | n/a | |
| Allowance / Loans | 1.38% | 1.32% | 1.47% | 1.71% | 2.26% | +87 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.32% | 6.23% | 6.47% | 6.04% | 5.62% | -70 bps | |
| Net Worth / Assets | 6.32% | 6.23% | 6.47% | 6.04% | 5.62% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.18% | 72.16% | 75.62% | 71.29% | 70.04% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.78% | +9,978 bps | |