Tallahassee, FL · Charter 1316
NCUA · 3 branches
Q3 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 1.83% | 1.63% | 1.11% | 2.82% | 0.32% | 0.38% | 0.50% | -62 bps | |
| Return on Equity | 6.23% | 19.49% | 16.73% | 10.49% | 24.96% | 2.83% | 3.39% | 4.42% | -606 bps | |
| Net Interest Margin | 3.44% | 3.09% | 3.11% | 3.03% | 3.04% | 3.09% | 3.12% | 3.19% | +16 bps | |
| Efficiency Ratio | 80.59% | 65.82% | 66.31% | 71.85% | 54.86% | 83.16% | 81.42% | 77.94% | +609 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.01% | 23.54% | 16.07% | 19.16% | 15.92% | 8.34% | 7.62% | 2.18% | -1,699 bps | |
| Loan Growth (YoY) | 1.24% | 3.05% | 4.19% | 5.92% | 6.32% | 6.30% | 8.65% | 13.98% | +806 bps | |
| Share Growth (YoY) | 18.19% | 24.81% | 16.46% | 17.44% | 14.57% | 7.80% | 6.29% | 2.99% | -1,445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.14% | 1.52% | 0.98% | 1.25% | 0.96% | 1.29% | 1.53% | +55 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 | 1.07% | 1.01% | 1.06% | 1.04% | 1.03% | 1.11% | 1.09% | 0.99% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 9.38% | 9.73% | 10.62% | 11.28% | 11.17% | 11.17% | 11.26% | +64 bps | |
| Net Worth / Assets | 9.84% | 9.38% | 9.73% | 10.62% | 11.28% | 11.17% | 11.17% | 11.26% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.24% | 49.92% | 50.57% | 49.91% | 51.26% | 49.22% | 51.69% | 55.23% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |