Durham, NC · Charter 66312
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Durham, NC · Charter 66312
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.01% | 1.04% | 1.23% | 0.81% | -13 bps | |
| Return on Equity | 8.47% | 9.26% | 8.65% | 9.70% | 6.22% | -225 bps | |
| Net Interest Margin | 3.54% | 3.41% | 3.67% | 3.77% | 5.75% | +221 bps | |
| Efficiency Ratio | 81.30% | 81.57% | 81.91% | 79.45% | 89.92% | +862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.11% | 5.68% | -7.57% | -6.50% | -9.31% | -2,042 bps | |
| Loan Growth (YoY) | -16.63% | -15.56% | -16.13% | -9.44% | -6.35% | +1,027 bps | |
| Share Growth (YoY) | 10.02% | 4.12% | -9.10% | -8.90% | -9.79% | -1,981 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.56% | 1.47% | 1.33% | 2.72% | +214 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.10% | 4.30% | 4.25% | 3.65% | 3.54% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.07% | 10.88% | 12.03% | 12.70% | 13.02% | +195 bps | |
| Net Worth / Assets | 11.07% | 10.88% | 12.03% | 12.70% | 13.02% | +195 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.20% | 27.78% | 29.30% | 31.37% | 31.34% | +115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |