Greenville, SC · Charter 24856
NCUA · 1 branch
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.
Greenville, SC · Charter 24856
NCUA · 1 branch
Q3 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -0.73% | -0.74% | -1.61% | -1.73% | -2.26% | -1.39% | -6.93% | -532 bps | |
| Return on Equity | -9.81% | -5.50% | -5.83% | -14.65% | -18.28% | -24.06% | -14.65% | -117.22% | -10,257 bps | |
| Net Interest Margin | 3.72% | 4.23% | 4.76% | 5.36% | 5.71% | 8.88% | 8.05% | 8.81% | +345 bps | |
| Efficiency Ratio | 99.41% | 93.19% | 109.34% | 99.31% | 91.30% | 86.44% | 75.33% | 74.01% | -2,530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | -2.12% | -0.07% | 7.82% | 15.44% | 25.48% | 39.33% | 19.43% | +1,161 bps | |
| Loan Growth (YoY) | 7.96% | 34.46% | 88.49% | 152.62% | 155.60% | 133.05% | 77.97% | 45.20% | -10,743 bps | |
| Share Growth (YoY) | 7.86% | -0.45% | 2.05% | 12.30% | 20.77% | 31.38% | 45.51% | 26.20% | +1,389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.32% | 1.53% | 1.20% | 4.62% | 3.72% | 2.13% | 4.10% | 9.65% | +503 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 | 6.93% | 5.46% | 2.84% | 4.79% | 4.74% | 4.21% | 3.72% | 8.36% | +357 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.93% | 13.35% | 12.75% | 10.99% | 9.47% | 9.40% | 9.49% | 5.91% | -508 bps | |
| Net Worth / Assets | 12.93% | 13.35% | 12.75% | 10.99% | 9.47% | 9.40% | 9.49% | 5.91% | -508 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.30% | 51.14% | 67.94% | 79.22% | 83.18% | 90.72% | 83.09% | 91.14% | +1,193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |