Beech Island, SC · Charter 60810
NCUA · 2 branches
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 | -1.55% | -1.53% | -1.41% | -1.49% | -1.43% | -2.10% | -2.00% | -1.69% | -20 bps | |
| Return on Equity | -10.51% | -10.64% | -9.99% | -10.90% | -10.73% | -16.72% | -16.66% | -15.20% | -430 bps | |
| Net Interest Margin | 3.24% | 2.96% | 2.99% | 2.92% | 2.91% | 2.84% | 2.72% | 2.59% | -32 bps | |
| Efficiency Ratio | 137.15% | 136.20% | 133.41% | 136.11% | 134.74% | 154.42% | 154.42% | 147.53% | +1,142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.09% | -11.49% | -5.03% | -2.36% | 0.07% | 1.83% | 3.27% | 7.86% | +1,022 bps | |
| Loan Growth (YoY) | -7.68% | -12.97% | -13.60% | -11.06% | -9.50% | -6.92% | -2.23% | -1.03% | +1,003 bps | |
| Share Growth (YoY) | -12.14% | -11.93% | -4.09% | -0.61% | 1.68% | 4.18% | 5.91% | 11.00% | +1,160 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.14% | 0.21% | 0.20% | 0.86% | 0.72% | 0.00% | 0.52% | +32 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 | 1.04% | 1.07% | 1.02% | 1.06% | 1.13% | 1.16% | 1.17% | 1.19% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.72% | 14.38% | 14.11% | 13.66% | 13.28% | 12.57% | 11.98% | 11.11% | -255 bps | |
| Net Worth / Assets | 14.72% | 14.38% | 14.11% | 13.66% | 13.28% | 12.57% | 11.98% | 11.11% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.04% | 55.81% | 53.73% | 53.81% | 52.55% | 49.87% | 49.60% | 47.98% | -583 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |