Macon, GA · Charter 67397
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.91% | -0.02% | 0.32% | 0.69% | -0.34% | -0.35% | 0.12% | 2.06% | +137 bps | |
| Return on Equity | -6.26% | -0.11% | 2.12% | 4.71% | -2.39% | -2.44% | 0.81% | 13.49% | +877 bps | |
| Net Interest Margin | 4.60% | 4.71% | 4.67% | 4.27% | 4.21% | 4.77% | 5.00% | 5.45% | +118 bps | |
| Efficiency Ratio | 83.19% | 77.07% | 75.97% | 82.04% | 81.00% | 70.16% | 65.77% | 62.41% | -1,963 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.28% | 8.72% | 7.38% | 8.43% | 7.17% | 4.75% | 3.57% | -0.59% | -902 bps | |
| Loan Growth (YoY) | 2.70% | 1.33% | 0.23% | 1.01% | 1.58% | -6.83% | -12.37% | -13.95% | -1,496 bps | |
| Share Growth (YoY) | 10.99% | 10.24% | 8.45% | 9.85% | 7.82% | 5.61% | 4.57% | -0.76% | -1,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.18% | 0.71% | 0.74% | 3.54% | 3.17% | 1.97% | 2.08% | +134 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 | 2.24% | 2.21% | 1.10% | 1.21% | 1.46% | 1.00% | 1.01% | 1.12% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.49% | 14.81% | 14.94% | 14.68% | 14.08% | 14.20% | 14.54% | 15.26% | +58 bps | |
| Net Worth / Assets | 14.49% | 14.81% | 14.94% | 14.68% | 14.08% | 14.20% | 14.54% | 15.26% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.79% | 74.68% | 74.39% | 69.29% | 69.52% | 65.88% | 62.34% | 60.08% | -921 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |