Mulberry, FL · Charter 68344
NCUA · 4 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.41% | 0.42% | 0.40% | 0.38% | 0.00% | 0.07% | 0.06% | -34 bps | |
| Return on Equity | 3.07% | 3.39% | 3.40% | 3.14% | 3.00% | 0.03% | 0.56% | 0.46% | -268 bps | |
| Net Interest Margin | 3.04% | 3.25% | 3.32% | 3.38% | 3.37% | 3.07% | 3.19% | 3.27% | -11 bps | |
| Efficiency Ratio | 87.01% | 83.78% | 82.40% | 81.72% | 81.30% | 86.03% | 85.53% | 84.32% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 0.92% | 0.72% | -0.86% | 0.86% | 3.45% | 2.45% | 2.20% | +307 bps | |
| Loan Growth (YoY) | 6.64% | 13.32% | 17.35% | 14.68% | 8.52% | 4.08% | 0.94% | 0.92% | -1,376 bps | |
| Share Growth (YoY) | 3.01% | 2.32% | 2.61% | -0.80% | -0.18% | 1.21% | -1.62% | -0.66% | +14 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.36% | 1.24% | 1.84% | 2.65% | 1.71% | 0.80% | 1.65% | 1.70% | -95 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 | 1.09% | 1.12% | 1.17% | 1.14% | 1.07% | 1.11% | 1.23% | 1.22% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.37% | 12.18% | 12.35% | 12.59% | 12.63% | 12.03% | 12.25% | 12.44% | -15 bps | |
| Net Worth / Assets | 12.37% | 12.18% | 12.35% | 12.59% | 12.63% | 12.03% | 12.25% | 12.44% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.64% | 70.28% | 73.92% | 75.89% | 76.80% | 72.28% | 75.84% | 77.09% | +120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |