Ft. Myers, FL · Charter 67305
NCUA · 2 branches
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.34% | 0.38% | -36.76% | -0.52% | -0.96% | -3.35% | -3328300% | -332,826,324 bps | |
| Return on Equity | 0.39% | 0.83% | 0.92% | -145.98% | -2.05% | -3.84% | -3.46% | n/a | n/a | |
| Net Interest Margin | 1.32% | 1.33% | 1.38% | -35.22% | 1.10% | 0.87% | 2.44% | -3166400% | -316,636,478 bps | |
| Efficiency Ratio | 87.46% | 74.51% | 72.40% | n/a | 147.50% | 210% | 238% | 129.79% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.07% | -4.78% | -5.41% | -31.98% | -32.94% | -34.78% | -83.08% | -100.00% | -6,802 bps | |
| Loan Growth (YoY) | -40.48% | -49.32% | -67.37% | -67.84% | -85.45% | -100.00% | -100.00% | -100.00% | -3,216 bps | |
| Share Growth (YoY) | -10.79% | -8.54% | -9.57% | -12.05% | -13.61% | -17.05% | -99.13% | -100.00% | -8,795 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| 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 | 4.71% | 6.06% | 10.03% | 13.27% | 32.34% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 42.03% | 41.01% | 41.71% | 25.18% | 25.32% | 24.98% | 97.01% | 0.00% | -2,518 bps | |
| Net Worth / Assets | 42.03% | 41.01% | 41.71% | 25.18% | 25.32% | 24.98% | 97.01% | 0.00% | -2,518 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.20% | 11.29% | 7.00% | 6.16% | 2.56% | 0.00% | 0.00% | 0.00% | -616 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |