Selma, AL · Charter 63944
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Selma, AL · Charter 63944
NCUA · 1 branch
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.02% | -0.01% | 0.01% | -0.69% | -71 bps | |
| Return on Equity | 0.17% | 0.17% | -0.10% | 0.09% | -5.50% | -567 bps | |
| Net Interest Margin | 4.13% | 3.49% | 3.31% | 3.35% | 3.34% | -79 bps | |
| Efficiency Ratio | 92.54% | 98.19% | 97.73% | 97.74% | 97.55% | +501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.03% | 3.68% | 4.24% | 1.03% | 1.41% | +38 bps | |
| Loan Growth (YoY) | -24.79% | -26.79% | -25.47% | -22.95% | -23.22% | +157 bps | |
| Share Growth (YoY) | 1.26% | 4.29% | 4.87% | 1.14% | 2.41% | +115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.24% | 7.18% | 7.97% | 9.34% | 5.05% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 2.45% | 2.24% | 3.01% | 3.04% | -155 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.61% | 12.69% | 12.79% | 13.07% | 12.56% | -105 bps | |
| Net Worth / Assets | 13.61% | 12.69% | 12.79% | 13.07% | 12.56% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.67% | 36.87% | 35.84% | 35.15% | 33.49% | -1,118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |