Jacksonville, FL · Charter 67294
NCUA · 4 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 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.
Jacksonville, FL · Charter 67294
NCUA · 4 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.50% | 0.45% | 0.41% | 0.13% | 0.42% | 0.56% | 0.82% | +41 bps | |
| Return on Equity | 2.93% | 4.33% | 3.91% | 3.62% | 1.19% | 3.84% | 4.99% | 7.28% | +366 bps | |
| Net Interest Margin | 3.49% | 3.61% | 3.59% | 3.53% | 3.60% | 3.47% | 3.48% | 3.41% | -12 bps | |
| Efficiency Ratio | 89.68% | 87.57% | 89.20% | 90.83% | 96.93% | 90.59% | 87.40% | 79.80% | -1,103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | -1.26% | 2.86% | 1.61% | 2.35% | 8.76% | 7.61% | 6.97% | +536 bps | |
| Loan Growth (YoY) | 8.17% | 6.36% | 6.86% | 6.74% | 4.22% | 2.80% | -1.17% | -0.87% | -761 bps | |
| Share Growth (YoY) | -1.33% | -0.80% | 2.71% | 2.31% | 5.40% | 8.89% | 8.12% | 7.15% | +484 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.39% | 1.44% | 1.40% | 1.42% | 1.65% | 0.46% | 0.26% | -115 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 | 1.69% | 1.70% | 1.61% | 1.56% | 1.49% | 1.49% | 1.48% | 1.45% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.17% | 11.55% | 11.40% | 11.28% | 11.25% | 11.01% | 11.15% | 11.20% | -8 bps | |
| Net Worth / Assets | 11.17% | 11.55% | 11.40% | 11.28% | 11.25% | 11.01% | 11.15% | 11.20% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.16% | 68.55% | 67.74% | 66.60% | 68.38% | 64.72% | 61.92% | 61.61% | -499 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |