Sarasota, FL · Charter 67296
NCUA · 2 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.17% | -0.30% | -0.26% | 0.03% | 0.05% | -0.21% | -3.73% | -347 bps | |
| Return on Equity | -1.04% | -1.32% | -2.35% | -2.07% | 0.20% | 0.41% | -1.68% | -35.26% | -3,319 bps | |
| Net Interest Margin | 2.69% | 2.69% | 2.92% | 2.93% | 2.89% | 2.85% | 2.88% | 2.88% | -6 bps | |
| Efficiency Ratio | 114.90% | 113.05% | 108.51% | 107.42% | 105.92% | 108.06% | 105.87% | 203% | +9,550 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 3.23% | 1.38% | -1.98% | -0.69% | -0.70% | 1.48% | 4.24% | +622 bps | |
| Loan Growth (YoY) | -9.69% | -3.92% | -2.75% | -0.34% | 2.91% | -1.52% | 0.74% | 0.78% | +113 bps | |
| Share Growth (YoY) | 3.61% | 5.01% | 1.21% | -1.70% | -0.56% | -0.75% | 2.19% | 7.04% | +874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.45% | 1.19% | 1.24% | 0.86% | 0.95% | 1.10% | 2.12% | +87 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 | 3.16% | 2.90% | 2.86% | 2.83% | 2.16% | 1.50% | 1.39% | 1.12% | -171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.79% | 12.59% | 12.65% | 12.79% | 12.83% | 12.73% | 12.54% | 10.58% | -221 bps | |
| Net Worth / Assets | 12.79% | 12.59% | 12.65% | 12.79% | 12.83% | 12.73% | 12.54% | 10.58% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.76% | 36.33% | 36.70% | 37.28% | 37.00% | 36.05% | 36.17% | 35.10% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |