Spartanburg, SC · Charter 60769
NCUA · 1 branch
Q2 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.02% | 0.81% | -2.09% | -2.02% | -276 bps | |
| Return on Equity | 4.85% | 6.19% | 4.80% | -12.71% | -12.91% | -1,776 bps | |
| Net Interest Margin | 3.20% | 3.50% | 3.88% | 2.84% | 2.78% | -42 bps | |
| Efficiency Ratio | 72.58% | 64.99% | 68.03% | 69.00% | 55.12% | -1,746 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 52.18% | 28.86% | 16.27% | 13.87% | -6.36% | -5,854 bps | |
| Loan Growth (YoY) | 40.29% | 36.35% | 18.67% | 0.14% | -16.60% | -5,689 bps | |
| Share Growth (YoY) | 62.15% | 45.37% | 27.15% | 24.48% | -0.64% | -6,280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.48% | 5.31% | 3.40% | 5.35% | 10.65% | +617 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.31% | 1.56% | 2.72% | 4.05% | +280 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.30% | 16.53% | 16.94% | 16.44% | 15.65% | +34 bps | |
| Net Worth / Assets | 15.30% | 16.53% | 16.94% | 16.44% | 15.65% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.37% | 99.54% | 93.82% | 85.86% | 75.86% | -1,451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |