Jacksonville, FL · Charter 2654
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -1.49% | -2.91% | -3.45% | -3.26% | -1.91% | -2.23% | -5.88% | -243 bps | |
| Return on Equity | -2.14% | -4.86% | -10.15% | -11.83% | -11.48% | -6.96% | -8.32% | -23.61% | -1,177 bps | |
| Net Interest Margin | 4.07% | 3.46% | 3.05% | 3.29% | 3.37% | 3.31% | 3.08% | 1.27% | -202 bps | |
| Efficiency Ratio | 111.32% | 126.05% | 137.47% | 126.58% | 125.84% | 125.68% | 142.63% | 311% | +18,429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.82% | -0.17% | 3.15% | 1.52% | 0.47% | 0.03% | -3.42% | -3.01% | -453 bps | |
| Loan Growth (YoY) | -16.57% | -22.18% | -26.43% | -25.26% | -20.15% | -17.24% | -28.86% | -35.88% | -1,062 bps | |
| Share Growth (YoY) | -1.13% | -0.80% | 7.21% | 7.29% | 6.18% | 7.31% | -0.57% | 1.96% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.56% | 12.84% | 12.73% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 5.04% | 5.75% | 8.00% | 7.59% | 8.31% | 9.38% | 11.13% | 11.15% | +356 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.82% | 30.70% | 28.64% | 29.12% | 28.41% | 27.38% | 26.74% | 24.91% | -421 bps | |
| Net Worth / Assets | 31.82% | 30.70% | 28.64% | 29.12% | 28.41% | 27.38% | 26.74% | 24.91% | -421 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.59% | 30.86% | 25.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |