Pensacola, FL · Charter 7259
NCUA · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.03% | 0.12% | 0.20% | 0.09% | -1.83% | -1.69% | -0.85% | -105 bps | |
| Return on Equity | 2.82% | 0.18% | 0.66% | 1.07% | 0.51% | -10.32% | -9.69% | -4.61% | -568 bps | |
| Net Interest Margin | 5.20% | 4.54% | 4.54% | 4.62% | 4.55% | 4.13% | 4.18% | 4.39% | -23 bps | |
| Efficiency Ratio | 88.74% | 92.41% | 94.92% | 91.81% | 93.88% | 97.01% | 98.16% | 90.75% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.30% | 0.77% | 3.66% | 2.81% | 4.43% | -2.19% | -1.45% | -4.07% | -688 bps | |
| Loan Growth (YoY) | -3.71% | -8.02% | -9.82% | -4.38% | -6.36% | -6.31% | -7.78% | -7.55% | -317 bps | |
| Share Growth (YoY) | -6.19% | 0.35% | 4.13% | 3.23% | 4.48% | -2.15% | 0.33% | -3.15% | -638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.43% | 2.38% | 2.16% | 1.63% | 1.67% | 1.14% | 1.80% | -36 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 | 0.49% | 0.53% | 0.50% | 0.57% | 0.57% | 0.66% | 1.25% | 1.25% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.03% | 17.70% | 18.08% | 18.52% | 18.32% | 17.73% | 17.46% | 18.54% | +1 bps | |
| Net Worth / Assets | 19.03% | 17.70% | 18.08% | 18.52% | 18.32% | 17.73% | 17.46% | 18.54% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.77% | 80.13% | 82.03% | 84.23% | 80.46% | 76.72% | 75.40% | 80.40% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |