Clinton, SC · Charter 24252
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
Clinton, SC · Charter 24252
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.54% | 0.49% | 0.51% | -48.27% | -4,876 bps | |
| Return on Equity | 1.90% | 2.05% | 1.91% | 1.97% | -347% | -34,900 bps | |
| Net Interest Margin | 3.66% | 3.66% | 3.59% | 3.68% | -45.22% | -4,888 bps | |
| Efficiency Ratio | 90.00% | 89.38% | 90.25% | 89.96% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 3.85% | 4.79% | 4.84% | 1.33% | -103 bps | |
| Loan Growth (YoY) | -7.36% | -6.24% | -0.66% | 2.03% | -0.11% | +725 bps | |
| Share Growth (YoY) | 2.18% | 4.36% | 5.68% | 6.00% | 18.03% | +1,585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.12% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.73% | 0.64% | 0.39% | 0.21% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.93% | 26.10% | 25.61% | 26.09% | 13.91% | -1,202 bps | |
| Net Worth / Assets | 25.93% | 26.10% | 25.61% | 26.09% | 13.91% | -1,202 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.25% | 66.44% | 68.70% | 68.62% | 56.07% | -1,018 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |