Charlotte, NC · Charter 68593
NCUA · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Charlotte, NC · Charter 68593
NCUA · 3 branches
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -1.85% | -2.49% | -3.39% | 0.19% | -0.75% | -1.70% | -1.74% | +165 bps | |
| Return on Equity | -3.44% | -17.42% | -26.35% | -34.68% | 1.89% | -7.11% | -17.22% | -18.41% | +1,627 bps | |
| Net Interest Margin | 2.28% | 2.19% | 2.04% | 2.21% | 2.95% | 3.12% | 3.36% | 3.26% | +105 bps | |
| Efficiency Ratio | 107.81% | 162.22% | 141.19% | 160.71% | 121.30% | 122.69% | 136.38% | 155.80% | -491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.58% | 27.78% | 32.90% | 3.68% | -19.66% | -22.31% | -24.50% | -12.46% | -1,614 bps | |
| Loan Growth (YoY) | -8.36% | -4.32% | -10.34% | -9.36% | 49.36% | 52.93% | 60.00% | 62.54% | +7,190 bps | |
| Share Growth (YoY) | 17.92% | 36.92% | 45.79% | 8.75% | -18.49% | -25.71% | -28.69% | -12.58% | -2,133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.96% | 10.60% | 2.67% | 3.13% | 1.07% | 1.18% | 1.11% | 1.35% | -178 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 | 4.88% | 3.85% | 5.42% | 6.15% | 3.40% | 3.56% | 3.50% | 2.21% | -394 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.99% | 10.60% | 9.45% | 9.77% | 10.29% | 10.53% | 9.85% | 9.43% | -34 bps | |
| Net Worth / Assets | 10.99% | 10.60% | 9.45% | 9.77% | 10.29% | 10.53% | 9.85% | 9.43% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.89% | 46.51% | 45.07% | 51.52% | 89.59% | 95.73% | 101.14% | 95.79% | +4,427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |