Hickory, NC · Charter 62870
NCUA · 2 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.05% | -0.06% | -0.04% | -0.04% | -0.54% | -1.26% | -8.42% | -838 bps | |
| Return on Equity | 0.75% | -0.14% | -0.18% | -0.11% | -0.12% | -1.73% | -4.00% | -32.14% | -3,202 bps | |
| Net Interest Margin | 3.37% | 3.18% | 3.10% | 3.01% | 3.03% | 3.01% | 2.99% | -1.51% | -452 bps | |
| Efficiency Ratio | 97.35% | 109.44% | 105.75% | 103.41% | 102.86% | 104.23% | 122.68% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.30% | -5.88% | -3.71% | 0.83% | 6.05% | 5.02% | 2.08% | -3.29% | -413 bps | |
| Loan Growth (YoY) | -5.69% | -9.82% | -9.21% | -2.42% | -3.89% | -2.97% | 1.02% | -5.69% | -327 bps | |
| Share Growth (YoY) | -6.69% | -8.81% | -5.26% | 1.27% | 9.45% | 7.84% | 4.06% | 3.42% | +215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.07% | 0.03% | 0.42% | 0.67% | 0.28% | 1.00% | +97 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 | 0.24% | 0.05% | 0.05% | 0.07% | 0.08% | 0.07% | 0.35% | 0.99% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.54% | 33.02% | 32.73% | 31.45% | 31.59% | 31.28% | 31.42% | 26.19% | -525 bps | |
| Net Worth / Assets | 33.54% | 33.02% | 32.73% | 31.45% | 31.59% | 31.28% | 31.42% | 26.19% | -525 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.85% | 69.59% | 67.85% | 66.29% | 65.73% | 62.62% | 65.87% | 60.46% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |