Non-Consolidated Annual Report 2019

9 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED | NON-CONSOLIDATED ANNUAL REPORT 2019 2019 2018 2017 2016 2015 Financial statistics in percent: Asset Growth 10.52 10.08 8.95 9.68 6.12 Loan Growth 4.12 6.40 10.10 9.56 9.08 Deposit Growth 11.29 10.43 10.80 11.33 7.39 Net Surplus Growth -27.93 3.62 18.28 40.97 -7.87 Return on Assets 0.93 1.42 1.50 1.39 1.06 Return on Equity 7.92 11.78 12.68 12.01 9.40 Operating Efficiency 74.82 71.97 70.62 69.15 74.69 Net Interest Margin 4.91 5.26 5.18 5.17 4.92 2019 2018 2017 2016 2015 Other statistics Delinquency ratio (%) 8.6 7.4 6.3 6.3 6.7 # of members (000’S) 95.0 89.2 84.0 78.4 73.0 # of branches 6 5 4 4 4 Net income per member $125.92 $186.07 $190.60 $172.75 $131.53 2019 2018 2017 2016 2015 Members (000’S) 95.0 89.2 84.0 78.4 73.0 FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS - FIVE YEAR REVIEW In Bds $’000