Greensboro, NC · Charter 830
NCUA · 2 branches
Q3 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.08% | 0.02% | 0.38% | 0.43% | +44 bps | |
| Return on Equity | -0.03% | 0.50% | 0.14% | 2.15% | 2.35% | +238 bps | |
| Net Interest Margin | 1.94% | 2.07% | 2.00% | 2.22% | 2.33% | +39 bps | |
| Efficiency Ratio | 100.23% | 93.54% | 98.77% | 83.50% | 82.02% | -1,821 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.48% | -4.88% | -8.71% | -7.97% | -10.29% | -681 bps | |
| Loan Growth (YoY) | 12.23% | 9.94% | 7.26% | 1.97% | -2.27% | -1,449 bps | |
| Share Growth (YoY) | -4.08% | -5.95% | -10.59% | -9.83% | -12.79% | -871 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.62% | 0.60% | 0.64% | 1.23% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.17% | 0.17% | 0.25% | 0.23% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.07% | 16.85% | 17.34% | 17.64% | 18.40% | +233 bps | |
| Net Worth / Assets | 16.07% | 16.85% | 17.34% | 17.64% | 18.40% | +233 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.17% | 41.92% | 42.63% | 42.21% | 43.90% | +473 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |