Macon, GA · Charter 375
NCUA · 1 branch
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.
Macon, GA · Charter 375
NCUA · 1 branch
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 | 0.58% | 0.40% | 0.39% | 0.35% | 0.34% | 0.30% | 0.23% | 0.14% | -21 bps | |
| Return on Equity | 6.23% | 4.16% | 3.80% | 3.49% | 3.39% | 3.07% | 2.26% | 1.44% | -206 bps | |
| Net Interest Margin | 4.30% | 4.44% | 4.67% | 4.31% | 4.23% | 4.12% | 4.19% | 3.85% | -46 bps | |
| Efficiency Ratio | 74.26% | 80.60% | 82.71% | 92.23% | 92.34% | 92.90% | 94.73% | 96.57% | +434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.01% | 2.57% | -0.13% | -2.10% | -3.71% | -0.02% | 2.26% | 4.88% | +698 bps | |
| Loan Growth (YoY) | 5.64% | 0.84% | 1.38% | -1.47% | -9.28% | -11.07% | -9.67% | -9.27% | -780 bps | |
| Share Growth (YoY) | 6.58% | 2.26% | -0.53% | -2.47% | -4.12% | -0.32% | 2.29% | 5.27% | +774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 0.49% | 1.94% | 3.24% | 1.93% | 1.36% | 3.20% | 3.34% | +10 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 | 0.70% | 0.82% | 0.91% | 0.94% | 1.00% | 1.03% | 1.08% | 1.10% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.36% | 9.63% | 10.19% | 10.04% | 9.96% | 9.93% | 10.20% | 9.75% | -30 bps | |
| Net Worth / Assets | 9.36% | 9.63% | 10.19% | 10.04% | 9.96% | 9.93% | 10.20% | 9.75% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.31% | 69.71% | 74.45% | 69.74% | 64.64% | 62.19% | 65.74% | 60.11% | -963 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |