Troy, AL · Charter 63634
NCUA · 1 branch
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Troy, AL · Charter 63634
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 | -0.43% | -0.08% | -0.59% | -0.52% | -0.83% | -0.67% | -0.90% | -3.30% | -278 bps | |
| Return on Equity | -2.82% | -0.50% | -4.05% | -3.55% | -5.74% | -4.74% | -6.55% | -26.22% | -2,267 bps | |
| Net Interest Margin | 1.87% | 1.87% | 1.30% | 1.38% | 1.32% | 1.20% | 1.08% | 1.14% | -24 bps | |
| Efficiency Ratio | 122.24% | 103.83% | 142.14% | 135.16% | 161.39% | 154.17% | 179.99% | 221% | +8,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | 2.22% | 3.06% | 0.67% | 0.35% | 0.42% | 0.33% | -8.38% | -905 bps | |
| Loan Growth (YoY) | -8.96% | -8.23% | -9.32% | -9.55% | -15.21% | -18.84% | -20.54% | -33.50% | -2,395 bps | |
| Share Growth (YoY) | -3.32% | 2.56% | 4.05% | 1.41% | 1.17% | 1.47% | 1.27% | 5.42% | +401 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.00% | 6.79% | 8.47% | 7.78% | 10.52% | 10.35% | 11.14% | 10.11% | +233 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 | 4.13% | 4.21% | 4.33% | 3.28% | 3.48% | 2.72% | 2.66% | 13.16% | +988 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.16% | 15.00% | 14.46% | 14.56% | 14.48% | 14.13% | 13.67% | 12.59% | -197 bps | |
| Net Worth / Assets | 15.16% | 15.00% | 14.46% | 14.56% | 14.48% | 14.13% | 13.67% | 12.59% | -197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.85% | 30.97% | 29.43% | 28.05% | 26.69% | 24.77% | 23.09% | 17.69% | -1,035 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |