Bainbridge, GA · Charter 67913
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 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.
Bainbridge, GA · Charter 67913
NCUA · 1 branch
Q2 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.26% | 0.24% | -0.11% | -0.32% | -0.41% | -1.14% | -3.78% | -367 bps | |
| Return on Equity | 3.58% | 2.12% | 1.90% | -0.79% | -2.26% | -2.95% | -8.50% | -36.77% | -3,599 bps | |
| Net Interest Margin | 3.74% | 3.49% | 3.93% | 3.91% | 3.78% | 3.77% | 3.42% | 2.98% | -93 bps | |
| Efficiency Ratio | 77.77% | 81.31% | 96.37% | 101.55% | 104.63% | 106.05% | 117.92% | 168.62% | +6,707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.92% | -1.86% | -15.26% | -18.64% | -18.67% | -21.91% | -12.35% | 8.92% | +2,755 bps | |
| Loan Growth (YoY) | -12.53% | -19.36% | -20.19% | -20.73% | -18.29% | -9.38% | -6.99% | -13.35% | +738 bps | |
| Share Growth (YoY) | -11.67% | -1.35% | -17.45% | -20.83% | -18.31% | -22.99% | -11.03% | 16.14% | +3,697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.07% | 3.18% | 1.63% | 2.61% | 3.26% | 3.93% | 5.29% | 3.00% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | 0.33% | 0.34% | 0.33% | n/a | n/a | |
| Allowance / Loans | 2.98% | 1.23% | 3.52% | 3.53% | 3.47% | 3.41% | 3.55% | 2.69% | -84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 12.48% | 12.48% | 13.59% | 13.99% | 13.98% | 13.43% | 10.28% | -331 bps | |
| Net Worth / Assets | 12.92% | 12.48% | 12.48% | 13.59% | 13.99% | 13.98% | 13.43% | 10.28% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.71% | 45.20% | 48.05% | 53.02% | 52.72% | 53.18% | 50.23% | 39.55% | -1,346 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |