Fayetteville, NC · Charter 63612
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 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.
Fayetteville, NC · Charter 63612
NCUA · 1 branch
Q3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.74% | 1.07% | 1.04% | 0.66% | -0.07% | 0.36% | 0.20% | -84 bps | |
| Return on Equity | 4.91% | 9.28% | 13.13% | 11.21% | 7.26% | -0.86% | 3.87% | 2.03% | -918 bps | |
| Net Interest Margin | 4.40% | 4.56% | 4.64% | 5.25% | 5.08% | 4.88% | 5.15% | 5.63% | +38 bps | |
| Efficiency Ratio | 88.17% | 87.47% | 81.87% | 80.85% | 83.53% | 89.71% | 84.95% | 83.71% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 3.20% | 2.23% | -10.81% | -7.61% | -3.69% | -8.95% | -6.33% | +448 bps | |
| Loan Growth (YoY) | 1.25% | 6.56% | 9.05% | 11.33% | 7.41% | 2.22% | -2.09% | -4.25% | -1,558 bps | |
| Share Growth (YoY) | 5.57% | 3.06% | 1.71% | -12.52% | -9.82% | -5.25% | -10.73% | -7.85% | +468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 3.82% | 2.85% | 3.09% | 2.93% | 2.82% | 3.40% | 3.92% | +84 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 | 1.84% | 1.36% | 1.18% | 0.97% | 0.95% | 1.13% | 1.16% | 1.29% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 7.98% | 8.15% | 9.28% | 9.09% | 8.71% | 9.19% | 9.94% | +66 bps | |
| Net Worth / Assets | 7.79% | 7.98% | 8.15% | 9.28% | 9.09% | 8.71% | 9.19% | 9.94% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.73% | 56.16% | 56.16% | 65.62% | 65.18% | 60.59% | 61.60% | 68.18% | +256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |