Orangeburg, SC · Charter 60803
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Orangeburg, SC · Charter 60803
NCUA · 1 branch
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.81% | 3.22% | 2.26% | 2.31% | 2.60% | 0.75% | -3.02% | -3.23% | -554 bps | |
| Return on Equity | 18.66% | 15.31% | 11.01% | 10.55% | 11.73% | 3.29% | -14.46% | -15.08% | -2,563 bps | |
| Net Interest Margin | 11.03% | 10.70% | 10.55% | 10.83% | 9.73% | 9.26% | 7.16% | 7.98% | -285 bps | |
| Efficiency Ratio | 57.30% | 56.96% | 57.50% | 58.09% | 58.55% | 67.24% | 95.35% | 94.87% | +3,678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 9.56% | 8.84% | 1.35% | 0.95% | -3.55% | -9.30% | -11.31% | -1,266 bps | |
| Loan Growth (YoY) | 16.88% | 7.16% | 2.10% | -4.40% | -4.92% | -6.73% | -14.66% | -24.26% | -1,986 bps | |
| Share Growth (YoY) | 1.58% | 4.47% | 6.19% | 5.19% | 0.57% | -2.57% | -8.71% | -9.38% | -1,458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 1.12% | 0.68% | 0.77% | 0.62% | 1.65% | 1.33% | 3.46% | +269 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 | 2.18% | 2.16% | 2.50% | 2.61% | 2.94% | 2.64% | 3.72% | 4.48% | +187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.41% | 21.04% | 20.50% | 21.87% | 22.20% | 22.90% | 20.91% | 21.43% | -44 bps | |
| Net Worth / Assets | 20.41% | 21.04% | 20.50% | 21.87% | 22.20% | 22.90% | 20.91% | 21.43% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.17% | 114.75% | 107.79% | 115.42% | 109.83% | 109.85% | 100.77% | 96.47% | -1,895 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |