Redwood, MS · Charter 63721
NCUA · 2 branches
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.
Redwood, MS · Charter 63721
NCUA · 2 branches
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.21% | 0.16% | 0.18% | -0.06% | -0.06% | 0.03% | 0.11% | -7 bps | |
| Return on Equity | 0.60% | 0.93% | 0.71% | 0.78% | -0.26% | -0.27% | 0.12% | 0.49% | -29 bps | |
| Net Interest Margin | 1.77% | 1.80% | 1.83% | 1.90% | 1.96% | 1.95% | 1.95% | 2.00% | +10 bps | |
| Efficiency Ratio | 94.36% | 90.51% | 89.66% | 87.90% | 93.72% | 91.84% | 88.34% | 87.94% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | 3.65% | 2.21% | -1.03% | -0.65% | -0.88% | 1.32% | 2.05% | +308 bps | |
| Loan Growth (YoY) | -2.92% | 0.33% | 1.85% | 7.33% | 11.10% | 3.62% | 7.86% | 1.16% | -617 bps | |
| Share Growth (YoY) | 5.26% | 4.41% | 2.57% | -1.58% | -1.02% | -1.14% | 1.61% | 2.51% | +409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.88% | 0.59% | 1.41% | 0.13% | 0.28% | 0.23% | 0.23% | -118 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 | 0.32% | 0.30% | 0.32% | 0.35% | 0.41% | 0.40% | 0.46% | 0.42% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.50% | 22.56% | 22.72% | 23.23% | 22.77% | 22.80% | 22.50% | 22.88% | -35 bps | |
| Net Worth / Assets | 22.50% | 22.56% | 22.72% | 23.23% | 22.77% | 22.80% | 22.50% | 22.88% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.13% | 26.93% | 26.53% | 29.26% | 28.21% | 28.22% | 28.16% | 28.88% | -38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |