PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ebsco

Birmingham, AL · Charter 8919

NCUA · 1 branch

Q4 2017

$11.9MAssets
$7.3MLoans
$10.9MShares
$941KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.45%, down 181 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY).
  • Capital: net worth / assets of 7.89%, down 140 bps from a year ago.
  • Funding: loans stand at 67.42% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.45%-181 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+12 bps YoY

Efficiency Ratio (YTD, annualized)

153.75%+6,054 bps YoY

Net Worth / Assets

7.89%-140 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.37%0.06%0.17%0.73%-1.45%-181 bps
Return on Equity3.94%0.67%1.91%7.83%-18.36%-2,230 bps
Net Interest Margin2.06%2.05%2.05%2.02%2.17%+12 bps
Efficiency Ratio93.21%98.08%92.81%91.87%153.75%+6,054 bps
Growth
Asset Growth (YoY)2.44%1.48%3.79%-1.04%-0.52%-296 bps
Loan Growth (YoY)7.24%5.79%9.31%1.36%0.24%-700 bps
Share Growth (YoY)1.65%0.96%3.53%-1.88%0.84%-81 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.08%0.00%0.19%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.01%1.01%0.41%0.41%-61 bps
Capital
Risk-Based Capital9.28%9.27%9.14%9.28%7.89%-140 bps
Net Worth / Assets9.28%9.27%9.14%9.28%7.89%-140 bps
Liquidity & Funding
Loans / Shares67.83%67.74%69.79%63.18%67.42%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps