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Albany, GA · Charter 68618

NCUA · 9 branches

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Doco

Albany, GA · Charter 68618

NCUA · 9 branches

Q4 2019

$199.1MAssets
$163.2MLoans
$172.3MShares
$19.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.75%, down 340 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.16% of loans (-49 bps YoY).
  • Capital: net worth / assets of 9.95%, down 258 bps from a year ago.
  • Funding: loans stand at 94.71% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.75%-340 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-17 bps YoY

Efficiency Ratio (YTD, annualized)

128.57%+4,644 bps YoY

Net Worth / Assets

9.95%-258 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.65%0.09%0.49%0.64%-2.75%-340 bps
Return on Equity5.17%0.74%3.91%4.96%-27.68%-3,285 bps
Net Interest Margin4.47%3.99%4.12%4.17%4.30%-17 bps
Efficiency Ratio82.14%81.58%80.36%79.60%128.57%+4,644 bps
Growth
Asset Growth (YoY)-9.81%-9.73%-2.68%2.59%-1.35%+846 bps
Loan Growth (YoY)4.28%3.59%3.94%6.57%5.50%+123 bps
Share Growth (YoY)-11.92%-11.70%-3.56%2.99%-0.96%+1,096 bps
Asset Quality
Delinquent Loans / Loans1.64%1.09%0.76%1.12%1.16%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%1.06%1.02%1.01%1.05%+2 bps
Capital
Risk-Based Capital12.54%12.11%12.46%12.82%9.95%-258 bps
Net Worth / Assets12.54%12.11%12.46%12.82%9.95%-258 bps
Liquidity & Funding
Loans / Shares88.91%87.87%91.06%93.21%94.71%+580 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps