Hickory, NC · Charter 65508
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 | 0.32% | 0.27% | 0.26% | 0.22% | -0.13% | -0.10% | -0.09% | -0.31% | -53 bps | |
| Return on Equity | 3.40% | 2.73% | 2.53% | 2.19% | -1.35% | -0.99% | -0.90% | -3.11% | -531 bps | |
| Net Interest Margin | 2.49% | 2.59% | 2.68% | 2.61% | 2.32% | 2.42% | 2.49% | 2.44% | -16 bps | |
| Efficiency Ratio | 89.04% | 90.91% | 91.16% | 92.19% | 102.67% | 101.48% | 101.19% | 107.46% | +1,527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | -3.54% | -6.18% | 0.64% | 0.60% | 2.01% | 1.54% | -0.97% | -161 bps | |
| Loan Growth (YoY) | -2.89% | -1.73% | -1.35% | -1.63% | -3.13% | -7.35% | -10.56% | -13.20% | -1,157 bps | |
| Share Growth (YoY) | -2.68% | -4.05% | -7.20% | 4.24% | 0.11% | 2.00% | 2.49% | -0.40% | -465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.40% | 0.02% | 0.00% | 0.00% | 0.04% | 0.34% | 0.20% | +20 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 | 0.25% | 0.27% | 0.23% | 0.21% | 0.24% | 0.28% | 0.32% | 0.24% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.56% | 9.99% | 10.30% | 10.10% | 9.60% | 9.83% | 10.11% | 9.89% | -21 bps | |
| Net Worth / Assets | 9.56% | 9.99% | 10.30% | 10.10% | 9.60% | 9.83% | 10.11% | 9.89% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.75% | 46.32% | 47.32% | 45.43% | 42.34% | 42.07% | 41.29% | 39.59% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |