9 / 72
7
BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED
NON-CONSOLIDATED ANNUAL REPORT 2014
2014
2013
2012
2011
2010
Restated
Restated
Restated
Financial statistics in percent:
Asset Growth
6.02
4.42
6.21
10.80
12.27
Loan Growth
4.98
1.41
5.98
11.19
12.08
Deposit Growth
7.34
4.02
6.02
9.63
10.85
Net Surplus Growth
-13.06
20.67
46.36
-33.26
37.22
Return on Assets
1.22
1.48
1.29
0.96
1.60
Return on Equity
11.16
14.29
13.38
10.17
17.25
Operating Efficiency
75.01
69.49
73.86
79.23
67.98
Net Interest Margin
5.13
5.09
5.07
4.99
5.11
2014
2013
2012
2011
2010
Restated
Restated
Restated
Other statistics
Delinquency ratio (%)
6.6
7.7
6.9
4.8
3.3
# of members (000’S)
68.7
64.7
61.6
58.6
55.3
# of branches
4
4
3
3
3
Net income per member
$151.77
$185.36
$161.35
$115.89
$184.00
FINANCIAL HIGHLIGHTS
FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW
In Bds $’000