Augusta, GA · Charter 14103
NCUA · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.22% | -4.02% | -2.36% | -2.32% | -3.20% | -7.48% | -5.04% | -3.75% | -142 bps | |
| Return on Equity | -36.20% | -30.02% | -17.24% | -17.34% | -25.30% | -79.54% | -51.30% | -37.40% | -2,005 bps | |
| Net Interest Margin | 1.80% | 1.31% | 1.54% | 1.35% | 0.20% | 0.46% | 0.45% | 0.55% | -80 bps | |
| Efficiency Ratio | 178.30% | 251% | 194.95% | 227% | 976% | 1229% | 371% | 374% | +14,638 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.05% | -1.49% | -0.42% | 1.33% | -0.19% | -0.13% | -3.05% | -2.68% | -401 bps | |
| Loan Growth (YoY) | -33.84% | -34.47% | -32.91% | -27.76% | -46.90% | -62.01% | -63.62% | -22.04% | +571 bps | |
| Share Growth (YoY) | -8.42% | -5.09% | 1.79% | 5.73% | 8.53% | 11.08% | 0.83% | 3.07% | -266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.99% | 15.75% | 0.00% | 7.36% | 24.47% | 0.00% | 5.86% | 0.00% | -736 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 | 9.03% | 10.95% | 10.00% | 7.99% | 11.30% | 10.00% | 10.41% | -6.99% | -1,498 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.43% | 13.40% | 13.71% | 13.40% | 12.64% | 9.41% | 9.83% | 10.02% | -338 bps | |
| Net Worth / Assets | 14.43% | 13.40% | 13.71% | 13.40% | 12.64% | 9.41% | 9.83% | 10.02% | -338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.91% | 14.26% | 12.48% | 11.98% | 8.76% | 4.88% | 4.50% | 9.06% | -292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |