Gainesville, FL · Charter 11789
NCUA · 11 branches
Q4 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.07% | 0.85% | 0.76% | 0.54% | 0.62% | 1.07% | 1.02% | +26 bps | |
| Return on Equity | 8.83% | 9.58% | 7.66% | 6.90% | 5.02% | 6.05% | 10.24% | 9.81% | +291 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.67% | 3.64% | 3.58% | 3.37% | 3.37% | 3.33% | -31 bps | |
| Efficiency Ratio | 78.00% | 78.10% | 80.80% | 80.30% | 76.97% | 73.57% | 69.81% | 72.06% | -824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.63% | 9.29% | 10.84% | 11.70% | 10.35% | 16.20% | 16.17% | 18.06% | +636 bps | |
| Loan Growth (YoY) | 13.94% | 14.97% | 13.29% | 8.67% | 6.39% | 2.26% | 3.00% | 5.64% | -303 bps | |
| Share Growth (YoY) | 6.92% | 8.15% | 11.04% | 11.89% | 11.21% | 18.28% | 17.17% | 18.99% | +710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.27% | 0.36% | 0.62% | 0.43% | 0.49% | 0.48% | 0.49% | -13 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 | 0.74% | 0.65% | 0.64% | 0.71% | 0.78% | 0.89% | 0.83% | 0.73% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 11.22% | 11.06% | 11.05% | 10.73% | 10.19% | 10.44% | 10.38% | -67 bps | |
| Net Worth / Assets | 11.13% | 11.22% | 11.06% | 11.05% | 10.73% | 10.19% | 10.44% | 10.38% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.99% | 93.05% | 91.43% | 90.78% | 87.05% | 80.45% | 80.37% | 80.60% | -1,018 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |