Spartanburg, SC · Charter 23416
NCUA · 2 branches
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.63% | 0.82% | 1.10% | 1.45% | +59 bps | |
| Return on Equity | 7.05% | 5.38% | 6.79% | 8.61% | 11.15% | +410 bps | |
| Net Interest Margin | 3.34% | 3.43% | 3.67% | 3.95% | 4.03% | +68 bps | |
| Efficiency Ratio | 82.46% | 78.49% | 76.69% | 74.02% | 71.40% | -1,106 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.28% | 12.88% | 4.86% | 5.57% | 5.59% | -468 bps | |
| Loan Growth (YoY) | 12.36% | 19.77% | 22.12% | 23.82% | 26.12% | +1,376 bps | |
| Share Growth (YoY) | 9.43% | 13.11% | 3.69% | 5.19% | 5.74% | -369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.84% | 0.86% | 1.47% | 1.58% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.97% | 0.90% | 1.03% | 1.06% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.23% | 11.79% | 12.13% | 12.74% | 12.98% | +75 bps | |
| Net Worth / Assets | 12.23% | 11.79% | 12.13% | 12.74% | 12.98% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.13% | 50.99% | 54.38% | 58.92% | 59.79% | +966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |