Durham, NC · Charter 68276
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.20% | 0.13% | 0.34% | 0.27% | 0.09% | -0.31% | -2.20% | -254 bps | |
| Return on Equity | 2.18% | 2.28% | 1.43% | 4.07% | 3.28% | 1.16% | -4.84% | -38.70% | -4,277 bps | |
| Net Interest Margin | 4.87% | 4.99% | 5.03% | 5.34% | 4.88% | 4.86% | 4.90% | 4.61% | -73 bps | |
| Efficiency Ratio | 94.42% | 92.86% | 93.40% | 93.15% | 94.31% | 95.59% | 99.08% | 111.29% | +1,814 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | -3.53% | 1.27% | 3.29% | 2.25% | 2.13% | -0.37% | -5.41% | -870 bps | |
| Loan Growth (YoY) | 1.60% | -1.96% | -3.16% | -4.28% | -4.47% | -2.57% | -2.25% | -6.52% | -223 bps | |
| Share Growth (YoY) | 1.00% | -3.94% | 1.24% | 3.51% | 3.08% | 3.88% | 2.13% | -2.60% | -611 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 3.89% | 3.66% | 2.42% | 2.71% | 3.52% | 4.92% | 2.88% | +46 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 | 0.91% | 0.97% | 0.97% | 0.96% | 0.94% | 0.93% | 0.97% | 1.13% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.59% | 8.90% | 8.89% | 8.35% | 8.12% | 7.39% | 6.30% | 5.70% | -265 bps | |
| Net Worth / Assets | 8.59% | 8.90% | 8.89% | 8.35% | 8.12% | 7.39% | 6.30% | 5.70% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.57% | 69.61% | 68.60% | 63.03% | 63.55% | 65.29% | 65.66% | 60.50% | -253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |