Clinton, SC · Charter 24252
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.98% | 0.94% | 0.49% | 0.54% | 0.49% | 0.51% | -48.27% | -4,876 bps | |
| Return on Equity | 3.84% | 3.75% | 3.49% | 1.90% | 2.05% | 1.91% | 1.97% | -347% | -34,900 bps | |
| Net Interest Margin | 4.44% | 4.32% | 4.34% | 3.66% | 3.66% | 3.59% | 3.68% | -45.22% | -4,888 bps | |
| Efficiency Ratio | 83.27% | 83.41% | 84.22% | 90.00% | 89.38% | 90.25% | 89.96% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.79% | 1.05% | 1.46% | 2.35% | 3.85% | 4.79% | 4.84% | 1.33% | -103 bps | |
| Loan Growth (YoY) | -4.61% | -1.76% | -3.56% | -7.36% | -6.24% | -0.66% | 2.03% | -0.11% | +725 bps | |
| Share Growth (YoY) | -4.71% | 0.36% | 0.80% | 2.18% | 4.36% | 5.68% | 6.00% | 18.03% | +1,585 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.56% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.51% | 0.57% | 0.62% | 0.73% | 0.64% | 0.39% | 0.21% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.40% | 26.27% | 26.82% | 25.93% | 26.10% | 25.61% | 26.09% | 13.91% | -1,202 bps | |
| Net Worth / Assets | 26.40% | 26.27% | 26.82% | 25.93% | 26.10% | 25.61% | 26.09% | 13.91% | -1,202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.94% | 73.09% | 71.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |