Pensacola, FL · Charter 67643
NCUA · 3 branches
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.47% | 0.65% | 0.78% | 0.67% | 0.30% | 0.18% | 0.04% | -74 bps | |
| Return on Equity | 5.83% | 5.63% | 7.55% | 8.64% | 7.08% | 3.18% | 2.02% | 0.41% | -824 bps | |
| Net Interest Margin | 2.82% | 2.83% | 2.98% | 3.13% | 3.23% | 2.93% | 2.71% | 2.69% | -44 bps | |
| Efficiency Ratio | 83.33% | 83.93% | 79.26% | 76.41% | 80.51% | 87.66% | 91.74% | 94.76% | +1,835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.82% | 9.56% | 13.67% | 12.73% | 1.05% | -4.33% | -1.62% | -1.58% | -1,431 bps | |
| Loan Growth (YoY) | -3.07% | -4.36% | -7.47% | -7.32% | -4.99% | -1.49% | -1.95% | -1.22% | +610 bps | |
| Share Growth (YoY) | 16.74% | 9.99% | 14.36% | 13.45% | 0.35% | -5.82% | -2.30% | -1.75% | -1,520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.23% | 0.22% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.33% | 0.35% | 0.32% | 0.35% | 0.33% | 0.28% | 0.27% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.87% | 8.37% | 8.56% | 8.99% | 9.45% | 9.36% | 9.10% | 9.29% | +29 bps | |
| Net Worth / Assets | 8.87% | 8.37% | 8.56% | 8.99% | 9.45% | 9.36% | 9.10% | 9.29% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.10% | 41.34% | 40.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |