Atlanta, GA · Charter 67353
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 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.
Atlanta, GA · Charter 67353
NCUA · 1 branch
Q4 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.19% | -0.11% | -0.14% | -0.75% | -0.68% | -0.51% | -6.18% | -604 bps | |
| Return on Equity | -1.68% | -0.55% | -0.33% | -0.44% | -2.39% | -2.06% | -1.56% | -18.41% | -1,798 bps | |
| Net Interest Margin | 3.16% | 3.12% | 2.99% | 3.07% | 2.89% | 2.98% | 2.98% | 3.30% | +23 bps | |
| Efficiency Ratio | 111.37% | 103.60% | 102.12% | 102.72% | 116.43% | 113.95% | 110.64% | 158.19% | +5,547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.12% | -1.51% | 5.38% | 3.81% | 7.83% | 1.32% | -4.87% | -19.09% | -2,290 bps | |
| Loan Growth (YoY) | -11.25% | -7.64% | -0.36% | 2.29% | -9.07% | -17.34% | -22.19% | -40.88% | -4,317 bps | |
| Share Growth (YoY) | -9.32% | -1.16% | 9.20% | 6.18% | 12.47% | 2.71% | -6.48% | -20.76% | -2,694 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.28% | 0.20% | 0.00% | 0.11% | 1.50% | 1.02% | 0.00% | 0 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 | 0.40% | 0.82% | 1.02% | 1.01% | 1.28% | 1.22% | 1.09% | 4.10% | +309 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.18% | 33.67% | 31.65% | 32.16% | 31.50% | 32.84% | 32.82% | 33.56% | +140 bps | |
| Net Worth / Assets | 34.18% | 33.67% | 31.65% | 32.16% | 31.50% | 32.84% | 32.82% | 33.56% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.08% | 73.23% | 65.39% | 66.50% | 58.28% | 58.93% | 54.41% | 49.62% | -1,689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |