Atlanta, GA · Charter 24442
NCUA · 4 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Atlanta, GA · Charter 24442
NCUA · 4 branches
Q1 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -0.86% | -0.71% | -1.07% | -0.81% | -0.57% | -0.27% | 0.62% | +169 bps | |
| Return on Equity | -6.98% | -6.53% | -5.44% | -8.25% | -6.36% | -4.40% | -2.06% | 4.65% | +1,290 bps | |
| Net Interest Margin | 3.45% | 3.56% | 3.51% | 3.38% | 3.33% | 3.46% | 3.43% | 3.37% | -1 bps | |
| Efficiency Ratio | 103.61% | 102.62% | 100.81% | 102.35% | 97.86% | 96.20% | 94.42% | 88.13% | -1,422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | -0.14% | -0.09% | -2.45% | -3.93% | -2.73% | -2.95% | -0.46% | +199 bps | |
| Loan Growth (YoY) | -21.04% | -13.86% | -8.00% | -0.27% | 3.02% | 1.01% | -3.13% | -8.80% | -853 bps | |
| Share Growth (YoY) | 4.74% | 0.54% | -0.05% | -2.11% | -3.96% | -2.90% | -3.11% | -0.91% | +120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.94% | 1.93% | 1.46% | 1.44% | 1.40% | 1.73% | 1.88% | +42 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 | 2.75% | 2.80% | 2.69% | 2.48% | 2.56% | 2.54% | 2.39% | 2.29% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 13.18% | 12.97% | 13.01% | 12.68% | 13.05% | 13.10% | 13.23% | +21 bps | |
| Net Worth / Assets | 12.80% | 13.18% | 12.97% | 13.01% | 12.68% | 13.05% | 13.10% | 13.23% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.04% | 49.91% | 49.82% | 50.49% | 50.45% | 51.92% | 49.81% | 46.47% | -402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |