Rome, GA · Charter 9488
NCUA · 5 branches
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.72% | 0.86% | 0.99% | 0.76% | 0.69% | 0.09% | 0.06% | -93 bps | |
| Return on Equity | 8.06% | 8.00% | 9.23% | 10.62% | 8.48% | 8.20% | 1.08% | 0.74% | -988 bps | |
| Net Interest Margin | 3.91% | 4.00% | 4.09% | 4.01% | 4.07% | 3.79% | 2.93% | 3.19% | -83 bps | |
| Efficiency Ratio | 83.39% | 83.16% | 79.87% | 78.32% | 78.38% | 79.02% | 90.97% | 92.21% | +1,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | 2.77% | 4.41% | 7.67% | 9.24% | 19.10% | 68.34% | 61.15% | +5,348 bps | |
| Loan Growth (YoY) | 8.43% | 8.53% | 12.64% | 14.87% | 16.29% | 18.86% | 55.30% | 56.54% | +4,167 bps | |
| Share Growth (YoY) | 2.28% | 2.55% | 3.32% | 7.27% | 9.03% | 19.88% | 70.47% | 61.81% | +5,453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.56% | 0.38% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.71% | 0.77% | 0.70% | 0.76% | 0.73% | 0.66% | 0.49% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 8.99% | 9.27% | 9.34% | 8.99% | 8.45% | 8.30% | 8.38% | -95 bps | |
| Net Worth / Assets | 8.77% | 8.99% | 9.27% | 9.34% | 8.99% | 8.45% | 8.30% | 8.38% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.48% | 74.94% | 80.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |