Anderson, SC · Charter 8470
NCUA · 3 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Anderson, SC · Charter 8470
NCUA · 3 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.45% | 0.44% | 0.33% | -0.25% | -0.52% | -0.42% | -0.96% | -129 bps | |
| Return on Equity | 7.11% | 5.24% | 4.97% | 3.75% | -2.95% | -6.75% | -5.60% | -14.03% | -1,778 bps | |
| Net Interest Margin | 3.54% | 3.46% | 3.49% | 3.46% | 3.06% | 2.71% | 2.69% | 2.68% | -78 bps | |
| Efficiency Ratio | 84.84% | 87.91% | 89.00% | 91.16% | 96.85% | 101.52% | 101.69% | 115.09% | +2,393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | 1.12% | -1.30% | 3.28% | 3.49% | 9.79% | 12.86% | 13.50% | +1,021 bps | |
| Loan Growth (YoY) | 6.52% | 2.35% | -0.50% | -5.14% | -9.85% | -11.75% | -13.34% | -12.97% | -783 bps | |
| Share Growth (YoY) | -1.31% | 0.58% | -1.37% | 3.41% | 4.31% | 11.42% | 14.43% | 15.61% | +1,220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.08% | 0.11% | 0.23% | 0.23% | 0.16% | 0.18% | 0.10% | -13 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 | 0.68% | 0.61% | 0.59% | 0.59% | 0.54% | 0.73% | 0.67% | 0.71% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.66% | 8.60% | 8.84% | 8.84% | 8.47% | 7.66% | 7.52% | 6.83% | -201 bps | |
| Net Worth / Assets | 8.66% | 8.60% | 8.84% | 8.84% | 8.47% | 7.66% | 7.52% | 6.83% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.18% | 82.27% | 81.81% | 78.88% | 72.75% | 65.16% | 61.96% | 59.38% | -1,950 bps | |
| Liquid Assets / Assets | 0.00% | 98.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |