Valdosta, GA · Charter 8947
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Valdosta, GA · Charter 8947
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.99% | 0.51% | 0.50% | 0.59% | -33 bps | |
| Return on Equity | 10.26% | 10.85% | 5.20% | 5.29% | 6.30% | -396 bps | |
| Net Interest Margin | 3.07% | 3.08% | 3.10% | 3.23% | 3.18% | +11 bps | |
| Efficiency Ratio | 74.16% | 73.71% | 81.47% | 80.71% | 78.87% | +470 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.12% | 6.11% | 10.05% | 8.82% | 12.08% | +495 bps | |
| Loan Growth (YoY) | 9.90% | 15.39% | 23.98% | 23.40% | 16.38% | +648 bps | |
| Share Growth (YoY) | 6.79% | 6.14% | 8.96% | 10.07% | 11.52% | +474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.64% | 0.77% | 0.72% | 1.02% | +44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.03% | 1.01% | 0.96% | 1.02% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 9.12% | 9.76% | 9.38% | 9.31% | +39 bps | |
| Net Worth / Assets | 8.92% | 9.12% | 9.76% | 9.38% | 9.31% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.73% | 73.46% | 72.80% | 75.26% | 73.82% | +308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |