PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clay Electric Employees

Keystone Hghts, FL · Charter 67307

Q4 2015

$8.0MAssets
$2.5MLoans
$6.6MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.55%, down 14 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.34%, down 32 bps from a year ago.
  • Funding: loans stand at 38.17% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.55%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+7 bps YoY

Efficiency Ratio (YTD, annualized)

123.75%+506 bps YoY

Net Worth / Assets

17.34%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.41%-0.44%-0.52%-0.53%-0.55%-14 bps
Return on Equity-2.33%-2.71%-3.16%-3.03%-3.19%-86 bps
Net Interest Margin1.99%1.83%1.91%2.06%2.07%+7 bps
Efficiency Ratio118.69%121.62%124.35%122.75%123.75%+506 bps
Growth
Asset Growth (YoY)3.96%6.02%1.37%-2.70%-1.29%-525 bps
Loan Growth (YoY)-12.23%-5.08%-2.36%-6.04%-5.35%+689 bps
Share Growth (YoY)5.55%7.85%2.22%-2.66%-0.96%-651 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.76%0.78%0.82%0.84%+5 bps
Capital
Risk-Based Capital17.67%16.33%16.57%17.45%17.34%-32 bps
Net Worth / Assets17.67%16.33%16.57%17.45%17.34%-32 bps
Liquidity & Funding
Loans / Shares39.94%36.37%37.31%38.73%38.17%-177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps