Augusta, GA · Charter 67724
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 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.
Augusta, GA · Charter 67724
NCUA · 1 branch
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.21% | 0.18% | 0.40% | -0.13% | -21 bps | |
| Return on Equity | 0.37% | 0.95% | 0.82% | 1.78% | -0.57% | -93 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.20% | 3.45% | 2.86% | -31 bps | |
| Efficiency Ratio | 97.54% | 93.79% | 94.71% | 88.95% | 104.27% | +672 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.52% | 5.30% | 7.02% | 2.39% | -1.55% | -207 bps | |
| Loan Growth (YoY) | 51.71% | 5.62% | 16.45% | -1.44% | -14.66% | -6,636 bps | |
| Share Growth (YoY) | 0.67% | 6.03% | 8.92% | 2.69% | -2.23% | -290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.55% | 4.29% | 4.69% | 21.02% | 24.06% | +1,951 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.35% | 3.45% | 3.24% | 2.91% | 3.14% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.04% | 22.04% | 21.64% | 22.30% | 22.75% | +70 bps | |
| Net Worth / Assets | 22.04% | 22.04% | 21.64% | 22.30% | 22.75% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.93% | 45.31% | 46.93% | 42.85% | 40.97% | -596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |