Warner Robins, GA · Charter 9331
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 | 1.96% | 1.86% | 1.92% | 1.88% | 1.83% | -13 bps | |
| Return on Equity | 12.72% | 11.90% | 12.33% | 11.80% | 11.35% | -137 bps | |
| Net Interest Margin | 2.57% | 2.49% | 2.50% | 2.50% | 2.49% | -8 bps | |
| Efficiency Ratio | 47.47% | 48.54% | 47.78% | 48.59% | 49.04% | +157 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.70% | 6.53% | 5.38% | 5.72% | 7.17% | +247 bps | |
| Loan Growth (YoY) | 7.84% | 9.11% | 9.37% | 9.39% | 9.62% | +178 bps | |
| Share Growth (YoY) | 3.20% | 4.59% | 3.35% | 4.37% | 5.47% | +227 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.34% | 0.21% | 0.42% | 0.41% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.79% | 0.78% | 0.78% | 0.78% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.42% | 15.63% | 15.55% | 15.90% | 16.15% | +73 bps | |
| Net Worth / Assets | 15.42% | 15.63% | 15.55% | 15.90% | 16.15% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.80% | 65.10% | 63.18% | 65.02% | 66.31% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |