Augusta, GA · Charter 9029
NCUA · 4 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Augusta, GA · Charter 9029
NCUA · 4 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.28% | 0.20% | 0.85% | 1.10% | +89 bps | |
| Return on Equity | 1.49% | 2.09% | 1.45% | 5.89% | 7.45% | +595 bps | |
| Net Interest Margin | 3.79% | 3.67% | 3.71% | 3.87% | 3.86% | +7 bps | |
| Efficiency Ratio | 80.99% | 81.51% | 81.56% | 72.07% | 69.92% | -1,107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.18% | 4.28% | 3.68% | 0.00% | 0.58% | -559 bps | |
| Loan Growth (YoY) | -3.44% | -1.69% | -2.11% | -5.21% | -6.14% | -270 bps | |
| Share Growth (YoY) | 7.11% | 4.56% | 4.33% | -0.66% | -0.68% | -778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.84% | 1.78% | 1.88% | 2.17% | 3.05% | +120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.31% | 1.36% | 1.43% | 1.28% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.72% | 13.52% | 13.47% | 14.37% | 14.73% | +102 bps | |
| Net Worth / Assets | 13.72% | 13.52% | 13.47% | 14.37% | 14.73% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.78% | 68.43% | 67.32% | 68.35% | 65.95% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |