Greensboro, NC · Charter 830
NCUA · 2 branches
Q3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.52% | -0.09% | 0.00% | 0.08% | 0.02% | 0.38% | 0.43% | +44 bps | |
| Return on Equity | -0.92% | -3.32% | -0.58% | -0.03% | 0.50% | 0.14% | 2.15% | 2.35% | +238 bps | |
| Net Interest Margin | 1.82% | 1.74% | 1.86% | 1.94% | 2.07% | 2.00% | 2.22% | 2.33% | +39 bps | |
| Efficiency Ratio | 107.31% | 129.49% | 104.48% | 100.23% | 93.54% | 98.77% | 83.50% | 82.02% | -1,821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.19% | -6.82% | -5.47% | -3.48% | -4.88% | -8.71% | -7.97% | -10.29% | -681 bps | |
| Loan Growth (YoY) | 13.41% | 8.06% | 9.93% | 12.23% | 9.94% | 7.26% | 1.97% | -2.27% | -1,449 bps | |
| Share Growth (YoY) | -10.60% | -7.82% | -6.38% | -4.08% | -5.95% | -10.59% | -9.83% | -12.79% | -871 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.69% | 0.55% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.23% | 0.20% | 0.28% | 0.17% | 0.17% | 0.25% | 0.23% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.94% | 15.62% | 15.93% | 16.07% | 16.85% | 17.34% | 17.64% | 18.40% | +233 bps | |
| Net Worth / Assets | 15.94% | 15.62% | 15.93% | 16.07% | 16.85% | 17.34% | 17.64% | 18.40% | +233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.87% | 35.53% | 37.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |