Fort Gordon, GA · Charter 68619
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | -0.18% | 0.08% | 0.02% | 0.01% | +5 bps | |
| Return on Equity | -0.48% | -2.32% | 1.00% | 0.24% | 0.19% | +68 bps | |
| Net Interest Margin | 2.37% | 2.43% | 2.46% | 2.41% | 2.32% | -6 bps | |
| Efficiency Ratio | 88.20% | 89.60% | 88.33% | 87.26% | 88.27% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.55% | 2.47% | 2.34% | 3.47% | 3.02% | +246 bps | |
| Loan Growth (YoY) | 18.72% | 10.79% | -2.87% | -14.69% | -15.78% | -3,450 bps | |
| Share Growth (YoY) | 1.10% | 2.71% | 2.37% | 3.71% | 3.18% | +207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.49% | 1.00% | 1.12% | 1.12% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.81% | 0.80% | 0.90% | 0.91% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.82% | 7.88% | 7.98% | 7.86% | 7.60% | -23 bps | |
| Net Worth / Assets | 7.82% | 7.88% | 7.98% | 7.86% | 7.60% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.52% | 46.58% | 44.73% | 42.79% | 39.60% | -891 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |