Jacksonville, FL · Charter 68028
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Jacksonville, FL · Charter 68028
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -0.37% | -0.43% | -0.41% | -0.57% | +2 bps | |
| Return on Equity | -6.42% | -4.05% | -4.85% | -4.72% | -6.77% | -35 bps | |
| Net Interest Margin | 1.89% | 1.94% | 1.98% | 1.99% | 1.83% | -6 bps | |
| Efficiency Ratio | 121.70% | 117.58% | 117.95% | 117.75% | 127.41% | +570 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -0.83% | -0.15% | 1.39% | 4.26% | +443 bps | |
| Loan Growth (YoY) | -1.52% | 16.47% | 9.11% | 12.32% | -18.28% | -1,676 bps | |
| Share Growth (YoY) | -0.33% | -1.27% | -0.43% | 4.29% | 4.62% | +495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.03% | 0.15% | 0.15% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.04% | 1.12% | 1.07% | 1.28% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.19% | 9.20% | 8.93% | 8.78% | 8.41% | -78 bps | |
| Net Worth / Assets | 9.19% | 9.20% | 8.93% | 8.78% | 8.41% | -78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.23% | 32.51% | 31.32% | 29.72% | 22.05% | -618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |