Jacksonville, FL · Charter 2654
NCUA · 1 branch
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.45% | -3.26% | -1.91% | -2.23% | -5.88% | -243 bps | |
| Return on Equity | -11.83% | -11.48% | -6.96% | -8.32% | -23.61% | -1,177 bps | |
| Net Interest Margin | 3.29% | 3.37% | 3.31% | 3.08% | 1.27% | -202 bps | |
| Efficiency Ratio | 126.58% | 125.84% | 125.68% | 142.63% | 311% | +18,429 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.52% | 0.47% | 0.03% | -3.42% | -3.01% | -453 bps | |
| Loan Growth (YoY) | -25.26% | -20.15% | -17.24% | -28.86% | -35.88% | -1,062 bps | |
| Share Growth (YoY) | 7.29% | 6.18% | 7.31% | -0.57% | 1.96% | -533 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.89% | 0.92% | 1.17% | 0.71% | 1.63% | -526 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.59% | 8.31% | 9.38% | 11.13% | 11.15% | +356 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.12% | 28.41% | 27.38% | 26.74% | 24.91% | -421 bps | |
| Net Worth / Assets | 29.12% | 28.41% | 27.38% | 26.74% | 24.91% | -421 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.01% | 28.27% | 23.80% | 18.47% | 18.24% | -1,077 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |