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 | |