Savannah, GA · Charter 67445
NCUA · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.08% | 0.32% | 0.41% | 0.39% | 0.42% | 0.34% | -1.15% | -156 bps | |
| Return on Equity | -1.22% | 0.39% | 1.63% | 2.14% | 1.97% | 2.09% | 1.73% | -6.27% | -841 bps | |
| Net Interest Margin | 2.38% | 2.27% | 2.29% | 2.30% | 2.44% | 2.58% | 2.58% | 2.49% | +20 bps | |
| Efficiency Ratio | 97.69% | 97.67% | 90.19% | 87.41% | 88.53% | 88.04% | 90.18% | 132.74% | +4,533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.17% | 0.48% | 2.59% | 3.65% | 1.70% | -0.52% | -0.86% | 0.40% | -325 bps | |
| Loan Growth (YoY) | 0.35% | 1.74% | 0.27% | 5.62% | 1.42% | 3.52% | 7.61% | 0.79% | -483 bps | |
| Share Growth (YoY) | -2.38% | 1.31% | 4.15% | 3.52% | 1.30% | -0.82% | -2.62% | 2.16% | -136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.30% | 0.63% | 0.50% | 0.49% | 0.48% | 0.47% | 0.08% | -42 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 | 2.46% | 2.38% | 2.46% | 2.33% | 2.29% | 2.29% | 2.18% | 2.05% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.82% | 19.44% | 19.39% | 19.22% | 19.88% | 20.02% | 19.96% | 18.35% | -87 bps | |
| Net Worth / Assets | 19.82% | 19.44% | 19.39% | 19.22% | 19.88% | 20.02% | 19.96% | 18.35% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.12% | 46.92% | 44.44% | 46.90% | 49.18% | 48.98% | 49.11% | 46.27% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |