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
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.28% | -0.09% | 0.08% | 0.21% | 0.18% | 0.40% | -0.13% | -21 bps | |
| Return on Equity | -2.62% | -1.24% | -0.41% | 0.37% | 0.95% | 0.82% | 1.78% | -0.57% | -93 bps | |
| Net Interest Margin | 2.47% | 2.70% | 2.81% | 3.17% | 3.21% | 3.20% | 3.45% | 2.86% | -31 bps | |
| Efficiency Ratio | 122.39% | 109.74% | 103.07% | 97.54% | 93.79% | 94.71% | 88.95% | 104.27% | +672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | 2.26% | 8.40% | 0.52% | 5.30% | 7.02% | 2.39% | -1.55% | -207 bps | |
| Loan Growth (YoY) | 19.39% | 13.01% | 22.39% | 51.71% | 5.62% | 16.45% | -1.44% | -14.66% | -6,636 bps | |
| Share Growth (YoY) | -3.67% | 3.78% | 11.65% | 0.67% | 6.03% | 8.92% | 2.69% | -2.23% | -290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.92% | 7.60% | 4.88% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.71% | 3.84% | 3.60% | 3.35% | 3.45% | 3.24% | 2.91% | 3.14% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.89% | 22.90% | 22.43% | 22.04% | 22.04% | 21.64% | 22.30% | 22.75% | +70 bps | |
| Net Worth / Assets | 22.89% | 22.90% | 22.43% | 22.04% | 22.04% | 21.64% | 22.30% | 22.75% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.48% | 43.90% | 44.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |