Camden, AR · Charter 12527
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
0
Profitability
37
Liquidity
0
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Camden, AR · Charter 12527
NCUA · 1 branch
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.43% | -14.55% | -9.77% | -4.71% | -5.33% | 0.82% | -0.64% | -0.36% | +435 bps | |
| Return on Equity | 32.67% | -116.03% | -84.30% | -38.34% | -45.56% | 7.30% | -4.76% | -2.48% | +3,587 bps | |
| Net Interest Margin | 3.06% | 3.67% | 2.62% | 2.90% | 3.18% | 4.74% | 4.77% | 5.47% | +257 bps | |
| Efficiency Ratio | 55.49% | 187.01% | 232% | 187.46% | 149.08% | 102.37% | 121.52% | 112.00% | -7,546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | -2.19% | -4.12% | -0.38% | -2.39% | 1.06% | -17.65% | -27.13% | -2,675 bps | |
| Loan Growth (YoY) | -22.07% | -25.62% | 7.29% | 7.06% | 12.22% | 34.26% | -10.40% | -19.76% | -2,681 bps | |
| Share Growth (YoY) | -2.08% | -1.99% | 2.77% | 10.39% | 3.42% | 2.64% | -20.44% | -33.34% | -4,373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.80% | 6.81% | 6.01% | 5.35% | 6.28% | 10.13% | 13.77% | 15.93% | +1,057 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 | 5.67% | 10.71% | 8.08% | 3.24% | 5.90% | 6.75% | 7.26% | 8.44% | +520 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.62% | 12.54% | 11.59% | 12.28% | 11.70% | 11.20% | 13.43% | 14.64% | +236 bps | |
| Net Worth / Assets | 16.62% | 12.54% | 11.59% | 12.28% | 11.70% | 11.20% | 13.43% | 14.64% | +236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.21% | 22.13% | 32.56% | 30.04% | 33.87% | 28.95% | 36.67% | 36.16% | +612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Camden, AR · Charter 12527 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
-0.51%
Rank 1,634 of 1,761
Net Interest Margin
5.58%
Rank 91 of 1,761
Efficiency Ratio
109.09%
Rank 1,670 of 1,754
Equity / Assets
14.45%
Rank 589 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.51% | 0.26% | 0.70% | 1.22% | Beats 7% | 1,634 / 1,761 | ||
| Return on Equity | -3.51% | 2.09% | 5.52% | 9.08% | Beats 8% | 1,623 / 1,761 | ||
| Net Interest Margin | 5.58% | 3.03% | 3.59% | 4.25% | Beats 95% | 91 / 1,761 | ||
| Efficiency Ratio | 109.09% | 68.95% | 77.94% | 87.14% | Beats 5% | 1,670 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 15.38% | 0.26% | 0.65% | 1.27% | Beats 0% | 1,754 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.64% | 10.05% | 12.42% | 15.87% | Beats 68% | 570 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.45% | 10.05% | 12.42% | 15.87% | Beats 67% | 589 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.16% | 56.21% | 73.13% | 85.64% | 7th pctl | 1,641 / 1,759 | ||
| Loans / Assets | 29.66% | 47.85% | 62.48% | 73.19% | 6th pctl | 1,650 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||