Pensacola, FL · Charter 24702
NCUA · 13 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 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.
Pensacola, FL · Charter 24702
NCUA · 13 branches
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.59% | 0.93% | 0.89% | 0.82% | +26 bps | |
| Return on Equity | 4.88% | 4.94% | 8.07% | 7.51% | 6.80% | +192 bps | |
| Net Interest Margin | 2.67% | 2.72% | 2.77% | 2.85% | 2.94% | +27 bps | |
| Efficiency Ratio | 81.76% | 81.43% | 75.11% | 77.72% | 78.53% | -324 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.26% | 2.44% | 1.91% | 1.84% | 2.75% | -51 bps | |
| Loan Growth (YoY) | 8.00% | 4.42% | 2.26% | 2.63% | 4.75% | -325 bps | |
| Share Growth (YoY) | 2.63% | 1.77% | 1.03% | 0.99% | 2.12% | -51 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.61% | 0.52% | 0.61% | 0.67% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.88% | 0.88% | 0.77% | 0.75% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 11.88% | 11.57% | 11.81% | 12.11% | +46 bps | |
| Net Worth / Assets | 11.65% | 11.88% | 11.57% | 11.81% | 12.11% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.02% | 72.61% | 68.21% | 70.51% | 73.88% | +185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |