Thomasville, GA · Charter 7735
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 | 0.01% | -1.48% | -0.94% | -0.64% | -14.56% | -1,457 bps | |
| Return on Equity | 0.03% | -5.43% | -3.55% | -2.41% | -96.40% | -9,643 bps | |
| Net Interest Margin | 2.74% | 3.10% | 2.80% | 2.40% | -9.33% | -1,208 bps | |
| Efficiency Ratio | 99.78% | 136.82% | 125.20% | 122.28% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.31% | -2.48% | 2.58% | 0.08% | -5.66% | -698 bps | |
| Loan Growth (YoY) | -15.14% | -22.68% | -28.38% | -26.85% | -21.02% | -589 bps | |
| Share Growth (YoY) | 2.03% | -3.06% | 4.39% | 1.55% | 12.12% | +1,009 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 1.31% | 1.41% | 1.35% | 5.93% | +366 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.43% | 1.48% | 1.91% | 1.42% | 2.67% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.99% | 27.22% | 26.48% | 26.63% | 15.11% | -1,288 bps | |
| Net Worth / Assets | 27.99% | 27.22% | 26.48% | 26.63% | 15.11% | -1,288 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.44% | 20.24% | 17.67% | 16.99% | 16.51% | -693 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |