Albany, GA · Charter 68618
NCUA · 9 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 | 0.19% | 0.39% | 0.66% | 0.65% | 0.09% | 0.49% | 0.64% | -2.75% | -340 bps | |
| Return on Equity | 1.88% | 3.43% | 5.31% | 5.17% | 0.74% | 3.91% | 4.96% | -27.68% | -3,285 bps | |
| Net Interest Margin | 3.87% | 4.25% | 4.52% | 4.47% | 3.99% | 4.12% | 4.17% | 4.30% | -17 bps | |
| Efficiency Ratio | 85.36% | 82.91% | 81.58% | 82.14% | 81.58% | 80.36% | 79.60% | 128.57% | +4,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -8.89% | -13.04% | -9.81% | -9.73% | -2.68% | 2.59% | -1.35% | +846 bps | |
| Loan Growth (YoY) | 11.72% | 10.62% | 7.81% | 4.28% | 3.59% | 3.94% | 6.57% | 5.50% | +123 bps | |
| Share Growth (YoY) | -0.40% | -10.86% | -16.21% | -11.92% | -11.70% | -3.56% | 2.99% | -0.96% | +1,096 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.12% | 1.22% | 1.64% | 1.09% | 0.76% | 1.12% | 1.16% | -49 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 | 1.18% | 1.18% | 1.11% | 1.03% | 1.06% | 1.02% | 1.01% | 1.05% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 11.47% | 12.51% | 12.54% | 12.11% | 12.46% | 12.82% | 9.95% | -258 bps | |
| Net Worth / Assets | 10.39% | 11.47% | 12.51% | 12.54% | 12.11% | 12.46% | 12.82% | 9.95% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 84.49% | 90.08% | 88.91% | 87.87% | 91.06% | 93.21% | 94.71% | +580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |