Apopka, FL · Charter 23948
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Apopka, FL · Charter 23948
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 1.30% | 0.65% | -16.44% | -12.78% | -1,326 bps | |
| Return on Equity | 6.46% | 16.86% | 8.67% | n/a | n/a | n/a | |
| Net Interest Margin | 4.76% | 5.11% | 5.12% | 5.18% | 4.17% | -59 bps | |
| Efficiency Ratio | 83.38% | 78.86% | 75.08% | 87.11% | 87.11% | +373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.47% | 1.75% | 1.55% | -9.29% | -19.09% | -3,656 bps | |
| Loan Growth (YoY) | 27.34% | 27.62% | 17.93% | -3.49% | -16.64% | -4,398 bps | |
| Share Growth (YoY) | 18.30% | 0.94% | 1.46% | 1.24% | -6.32% | -2,461 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 1.78% | 1.79% | 2.68% | 2.99% | +114 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.14% | 1.66% | 5.72% | 10.45% | +912 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.42% | 7.73% | 7.53% | -3.74% | -8.70% | -1,612 bps | |
| Net Worth / Assets | 7.42% | 7.73% | 7.53% | -3.74% | -8.70% | -1,612 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.61% | 84.12% | 82.10% | 75.21% | 72.62% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |