Rome, GA · Charter 9488
NCUA · 5 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Rome, GA · Charter 9488
NCUA · 5 branches
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.76% | 0.69% | 0.09% | 0.06% | -93 bps | |
| Return on Equity | 10.62% | 8.48% | 8.20% | 1.08% | 0.74% | -988 bps | |
| Net Interest Margin | 4.01% | 4.07% | 3.79% | 2.93% | 3.19% | -83 bps | |
| Efficiency Ratio | 78.32% | 78.38% | 79.02% | 90.97% | 92.21% | +1,390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.67% | 9.24% | 19.10% | 68.34% | 61.15% | +5,348 bps | |
| Loan Growth (YoY) | 14.87% | 16.29% | 18.86% | 55.30% | 56.54% | +4,167 bps | |
| Share Growth (YoY) | 7.27% | 9.03% | 19.88% | 70.47% | 61.81% | +5,453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.39% | 0.52% | 0.76% | 1.56% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.76% | 0.73% | 0.66% | 0.49% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.34% | 8.99% | 8.45% | 8.30% | 8.38% | -95 bps | |
| Net Worth / Assets | 9.34% | 8.99% | 8.45% | 8.30% | 8.38% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.54% | 76.25% | 74.30% | 73.22% | 76.95% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |