Columbia, SC · Charter 9084
NCUA · 2 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.34% | -0.10% | 0.04% | -0.04% | -0.11% | -0.28% | -0.69% | -73 bps | |
| Return on Equity | -1.38% | -4.14% | -1.23% | 0.53% | -0.48% | -1.39% | -3.45% | -8.82% | -935 bps | |
| Net Interest Margin | 3.36% | 3.37% | 3.26% | 3.23% | 3.35% | 3.44% | 3.60% | 3.51% | +28 bps | |
| Efficiency Ratio | 102.28% | 103.40% | 104.78% | 105.43% | 103.20% | 103.90% | 95.41% | 101.33% | -410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.16% | -1.31% | 4.05% | 8.35% | 4.22% | 2.67% | -4.84% | -6.13% | -1,448 bps | |
| Loan Growth (YoY) | 3.20% | 5.95% | 3.13% | 4.87% | 6.75% | 8.91% | 7.89% | 2.72% | -215 bps | |
| Share Growth (YoY) | -2.09% | -0.93% | 4.94% | 9.55% | 4.95% | 3.08% | -5.09% | -6.17% | -1,573 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 2.80% | 2.45% | 2.08% | 2.39% | 2.50% | 2.74% | 2.96% | +88 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 | 0.94% | 1.26% | 1.14% | 0.85% | 0.85% | 0.67% | 0.87% | 1.07% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.50% | 8.25% | 7.92% | 7.77% | 7.88% | 7.93% | 8.16% | 7.80% | +3 bps | |
| Net Worth / Assets | 8.50% | 8.25% | 7.92% | 7.77% | 7.88% | 7.93% | 8.16% | 7.80% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.19% | 49.21% | 46.22% | 48.39% | 50.03% | 51.99% | 52.54% | 52.98% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |