Pensacola, FL · Charter 67643
NCUA · 3 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Pensacola, FL · Charter 67643
NCUA · 3 branches
Q3 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.67% | 0.30% | 0.18% | 0.04% | -74 bps | |
| Return on Equity | 8.64% | 7.08% | 3.18% | 2.02% | 0.41% | -824 bps | |
| Net Interest Margin | 3.13% | 3.23% | 2.93% | 2.71% | 2.69% | -44 bps | |
| Efficiency Ratio | 76.41% | 80.51% | 87.66% | 91.74% | 94.76% | +1,835 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.73% | 1.05% | -4.33% | -1.62% | -1.58% | -1,431 bps | |
| Loan Growth (YoY) | -7.32% | -4.99% | -1.49% | -1.95% | -1.22% | +610 bps | |
| Share Growth (YoY) | 13.45% | 0.35% | -5.82% | -2.30% | -1.75% | -1,520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.70% | 0.45% | 0.21% | 0.15% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.35% | 0.33% | 0.28% | 0.27% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 9.45% | 9.36% | 9.10% | 9.29% | +29 bps | |
| Net Worth / Assets | 8.99% | 9.45% | 9.36% | 9.10% | 9.29% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.40% | 43.65% | 43.24% | 40.56% | 41.63% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |