Winston-Salem, NC · Charter 60881
NCUA · 3 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 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.
Winston-Salem, NC · Charter 60881
NCUA · 3 branches
Q2 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.07% | 0.65% | 0.39% | 0.36% | 0.37% | 0.43% | 0.46% | +7 bps | |
| Return on Equity | 0.44% | 0.53% | 5.16% | 3.10% | 2.72% | 2.68% | 3.17% | 3.35% | +25 bps | |
| Net Interest Margin | 2.19% | 2.27% | 2.16% | 2.24% | 2.39% | 2.52% | 2.50% | 2.53% | +29 bps | |
| Efficiency Ratio | 94.84% | 94.44% | 77.04% | 84.09% | 84.99% | 85.77% | 89.36% | 88.76% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -5.00% | -4.67% | -3.26% | -4.82% | -4.59% | -5.53% | -5.42% | -216 bps | |
| Loan Growth (YoY) | -17.25% | -16.13% | -16.17% | -10.49% | 9.07% | 14.83% | 15.04% | 9.02% | +1,950 bps | |
| Share Growth (YoY) | -3.53% | -4.94% | -5.28% | -3.83% | -5.61% | -6.27% | -6.89% | -6.64% | -281 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 3.49% | 1.28% | 1.23% | 1.63% | 1.82% | 1.52% | 2.21% | +98 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 | 1.52% | 1.55% | 1.60% | 1.53% | 1.41% | 1.33% | 1.22% | 1.17% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.23% | 12.75% | 12.53% | 12.73% | 13.15% | 13.73% | 13.56% | 13.85% | +112 bps | |
| Net Worth / Assets | 12.23% | 12.75% | 12.53% | 12.73% | 13.15% | 13.73% | 13.56% | 13.85% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.34% | 34.07% | 31.76% | 33.34% | 39.68% | 41.73% | 39.25% | 38.94% | +559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |