Greenville, SC · Charter 17626
NCUA · 1 branch
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 | 1.42% | 1.45% | 1.20% | 1.07% | 1.16% | 1.13% | 1.58% | 1.51% | +44 bps | |
| Return on Equity | 6.50% | 6.55% | 5.97% | 5.43% | 5.59% | 5.38% | 7.48% | 6.98% | +155 bps | |
| Net Interest Margin | 4.24% | 4.27% | 4.11% | 4.04% | 4.12% | 4.14% | 4.06% | 4.11% | +6 bps | |
| Efficiency Ratio | 76.94% | 76.68% | 75.98% | 78.13% | 78.06% | 76.32% | 79.74% | 75.60% | -253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.08% | 10.02% | 20.75% | 14.54% | 12.05% | 11.19% | 0.66% | -2.65% | -1,719 bps | |
| Loan Growth (YoY) | -8.75% | 1.36% | 9.09% | 24.66% | 21.66% | 15.97% | 3.05% | -6.67% | -3,133 bps | |
| Share Growth (YoY) | 7.54% | 11.10% | 25.25% | 16.76% | 13.62% | 12.82% | -0.67% | -4.84% | -2,160 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.07% | 0.01% | 0.01% | 0.21% | 0.11% | 0.12% | +11 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 | 0.79% | 0.70% | 0.71% | 0.68% | 0.69% | 0.82% | 0.67% | 0.70% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.84% | 22.10% | 20.04% | 19.79% | 20.71% | 21.01% | 21.12% | 21.66% | +187 bps | |
| Net Worth / Assets | 21.84% | 22.10% | 20.04% | 19.79% | 20.71% | 21.01% | 21.12% | 21.66% | +187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.30% | 75.84% | 69.44% | 74.61% | 77.41% | 77.96% | 72.03% | 73.18% | -143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |