Kannapolis, NC · Charter 66583
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
Kannapolis, NC · Charter 66583
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.10% | -0.07% | -0.10% | -0.39% | 0.08% | 0.20% | -0.80% | -70 bps | |
| Return on Equity | -0.35% | -0.80% | -0.53% | -0.81% | -3.19% | 0.64% | 1.63% | -6.79% | -598 bps | |
| Net Interest Margin | 3.20% | 3.27% | 3.20% | 2.98% | 3.05% | 3.11% | 3.02% | 2.86% | -12 bps | |
| Efficiency Ratio | 97.63% | 97.82% | 96.99% | 96.20% | 95.85% | 93.16% | 92.17% | 107.06% | +1,086 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -3.50% | -3.08% | -4.53% | -1.86% | -1.48% | 1.32% | 4.56% | +910 bps | |
| Loan Growth (YoY) | -2.18% | -7.04% | -5.93% | -2.70% | -2.37% | -3.89% | 0.22% | -0.48% | +222 bps | |
| Share Growth (YoY) | -3.26% | -3.79% | -4.78% | -5.22% | -1.85% | -2.14% | 3.15% | 6.36% | +1,158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.83% | 3.66% | 3.27% | 1.56% | 2.24% | 1.79% | 0.91% | 0.80% | -76 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 | 0.67% | 0.63% | 0.57% | 0.65% | 0.77% | 0.61% | 0.50% | 0.55% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 12.48% | 12.47% | 12.38% | 12.30% | 12.72% | 12.50% | 11.86% | -52 bps | |
| Net Worth / Assets | 12.33% | 12.48% | 12.47% | 12.38% | 12.30% | 12.72% | 12.50% | 11.86% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.71% | 69.01% | 68.91% | 66.60% | 66.36% | 67.77% | 66.95% | 62.31% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |