Pensacola, FL · Charter 1303
NCUA · 11 branches
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.45% | 0.65% | 0.71% | 0.81% | 0.91% | 1.05% | 0.95% | +24 bps | |
| Return on Equity | 4.68% | 4.21% | 6.45% | 7.08% | 7.80% | 8.50% | 9.65% | 8.41% | +133 bps | |
| Net Interest Margin | 2.45% | 2.30% | 2.07% | 2.02% | 2.10% | 2.16% | 2.47% | 2.65% | +63 bps | |
| Efficiency Ratio | 72.66% | 71.25% | 69.18% | 71.57% | 71.58% | 70.17% | 67.00% | 67.98% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.63% | 38.29% | 37.47% | 23.56% | 14.88% | 8.26% | 2.66% | -2.00% | -2,556 bps | |
| Loan Growth (YoY) | 9.27% | 7.79% | 5.64% | 5.23% | 4.57% | 5.21% | 8.17% | 14.73% | +950 bps | |
| Share Growth (YoY) | 39.35% | 42.98% | 44.64% | 27.05% | 16.82% | 9.42% | 4.44% | 1.47% | -2,558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.79% | 0.49% | 0.36% | 0.39% | 0.44% | 0.34% | 0.38% | +2 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 | 1.15% | 1.40% | 1.42% | 1.34% | 1.22% | 1.07% | 0.97% | 0.90% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.08% | 10.58% | 10.13% | 10.08% | 10.32% | 10.68% | 10.87% | 11.32% | +124 bps | |
| Net Worth / Assets | 11.08% | 10.58% | 10.13% | 10.08% | 10.32% | 10.68% | 10.87% | 11.32% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.57% | 56.73% | 52.88% | 52.43% | 53.33% | 54.54% | 54.77% | 59.28% | +685 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |