Rome, GA · Charter 65912
NCUA · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Rome, GA · Charter 65912
NCUA · 2 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.39% | 0.20% | 0.30% | 0.33% | 0.36% | 0.84% | 0.82% | +52 bps | |
| Return on Equity | 3.25% | 4.05% | 2.22% | 3.28% | 3.56% | 3.94% | 9.36% | 8.98% | +569 bps | |
| Net Interest Margin | 2.99% | 3.00% | 3.01% | 3.08% | 3.12% | 3.13% | 3.09% | 3.12% | +4 bps | |
| Efficiency Ratio | 90.51% | 89.01% | 87.29% | 87.44% | 86.65% | 86.48% | 81.24% | 78.42% | -902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.67% | 7.32% | 4.60% | 7.22% | 9.29% | 8.48% | 6.70% | 7.14% | -8 bps | |
| Loan Growth (YoY) | 12.40% | 14.26% | 13.32% | 13.33% | 9.14% | 6.75% | 6.90% | 4.41% | -892 bps | |
| Share Growth (YoY) | 5.01% | 7.94% | 5.25% | 7.78% | 9.83% | 8.95% | 7.16% | 7.14% | -63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.34% | 0.57% | 0.79% | 0.91% | 0.47% | 0.41% | 0.39% | -40 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 | 0.45% | 0.42% | 0.47% | 0.50% | 0.51% | 0.50% | 0.50% | 0.59% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.60% | 9.61% | 9.03% | 9.12% | 9.18% | 9.22% | 8.97% | 9.12% | +1 bps | |
| Net Worth / Assets | 9.60% | 9.61% | 9.03% | 9.12% | 9.18% | 9.22% | 8.97% | 9.12% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.19% | 66.96% | 62.87% | 65.17% | 66.76% | 65.61% | 62.72% | 63.51% | -166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |