Greenville, KY · Charter 62490
NCUA · 1 branch
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | -0.12% | 0.22% | 0.55% | 0.03% | -0.57% | -0.33% | -0.23% | -77 bps | |
| Return on Equity | -3.77% | -0.70% | 1.34% | 2.77% | 0.19% | -3.47% | -2.19% | -1.45% | -422 bps | |
| Net Interest Margin | 2.58% | 2.49% | 2.44% | 2.85% | 2.52% | 2.08% | 1.83% | 1.88% | -97 bps | |
| Efficiency Ratio | 115.27% | 100.83% | 89.93% | 82.02% | 95.11% | 114.16% | 108.25% | 104.91% | +2,289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.84% | -0.85% | -2.18% | -0.64% | -2.51% | 5.35% | 11.09% | 23.01% | +2,365 bps | |
| Loan Growth (YoY) | 11.02% | -4.29% | -10.68% | -16.18% | -20.81% | -22.84% | -23.71% | -26.27% | -1,009 bps | |
| Share Growth (YoY) | 0.95% | -1.27% | -3.13% | -1.47% | -4.00% | 6.18% | 13.33% | 29.18% | +3,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 2.77% | 3.12% | 8.11% | 2.60% | 6.28% | 1.05% | 0.51% | -761 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 | 4.46% | 4.64% | 5.15% | 4.95% | 5.63% | 5.99% | 6.67% | 6.76% | +181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.23% | 17.19% | 16.69% | 19.72% | 18.35% | 16.55% | 15.05% | 15.80% | -392 bps | |
| Net Worth / Assets | 17.23% | 17.19% | 16.69% | 19.72% | 18.35% | 16.55% | 15.05% | 15.80% | -392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.72% | 27.67% | 23.97% | 29.80% | 23.69% | 20.11% | 16.14% | 17.01% | -1,279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |