Theodore, AL · Charter 23893
NCUA · 2 branches
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.11% | 1.19% | 1.27% | 1.07% | 0.75% | 1.07% | 1.32% | +5 bps | |
| Return on Equity | 12.13% | 11.18% | 11.80% | 11.67% | 10.34% | 7.02% | 9.32% | 10.94% | -73 bps | |
| Net Interest Margin | 3.28% | 3.21% | 3.33% | 3.50% | 3.34% | 3.52% | 3.76% | 3.89% | +39 bps | |
| Efficiency Ratio | 67.42% | 69.93% | 68.47% | 68.64% | 61.26% | 60.78% | 60.14% | 59.79% | -885 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 0.45% | 4.96% | 5.88% | 9.23% | 2.86% | -2.94% | 1.02% | -486 bps | |
| Loan Growth (YoY) | 1.82% | 5.68% | 13.21% | 13.87% | 18.35% | 9.70% | 15.26% | 18.97% | +510 bps | |
| Share Growth (YoY) | 4.83% | 0.45% | 4.21% | 5.60% | 9.06% | 2.15% | -8.23% | -2.16% | -776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.00% | 0.55% | 0.41% | 0.00% | 0.00% | 0.00% | -55 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 | 0.52% | 0.50% | 0.52% | 0.53% | 0.52% | 0.52% | 0.65% | 0.65% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 9.97% | 10.09% | 10.88% | 10.35% | 10.73% | 11.53% | 12.10% | +122 bps | |
| Net Worth / Assets | 10.04% | 9.97% | 10.09% | 10.88% | 10.35% | 10.73% | 11.53% | 12.10% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.13% | 57.10% | 58.22% | 60.99% | 58.74% | 61.32% | 73.13% | 74.16% | +1,317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |