Raleigh, NC · Charter 63424
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Raleigh, NC · Charter 63424
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.05% | 0.18% | 0.25% | -2.95% | -311 bps | |
| Return on Equity | 1.19% | 0.41% | 1.29% | 1.71% | -29.62% | -3,080 bps | |
| Net Interest Margin | 2.27% | 2.25% | 2.34% | 2.40% | -0.34% | -262 bps | |
| Efficiency Ratio | 78.02% | 78.40% | 78.73% | 79.61% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.26% | -2.12% | -3.84% | -5.75% | -9.16% | -890 bps | |
| Loan Growth (YoY) | 1.17% | 1.93% | 3.19% | 0.24% | -4.34% | -551 bps | |
| Share Growth (YoY) | -0.48% | -2.54% | -4.59% | -6.87% | -5.51% | -504 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.53% | 0.91% | 0.46% | 0.62% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.92% | 0.99% | 0.92% | 0.81% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.32% | 13.55% | 14.19% | 14.58% | 9.97% | -334 bps | |
| Net Worth / Assets | 13.32% | 13.55% | 14.19% | 14.58% | 9.97% | -334 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.52% | 41.24% | 44.00% | 43.92% | 40.01% | +49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |