Raleigh, NC · Charter 19826
NCUA · 2 branches
Q1 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.05% | 0.17% | 0.16% | -0.13% | -13 bps | |
| Return on Equity | 0.01% | 0.27% | 0.86% | 0.81% | -0.63% | -64 bps | |
| Net Interest Margin | 3.45% | 3.34% | 3.46% | 3.30% | 3.25% | -21 bps | |
| Efficiency Ratio | 99.96% | 98.43% | 95.14% | 95.31% | 103.88% | +392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.26% | 4.68% | 1.88% | 4.60% | 1.54% | -371 bps | |
| Loan Growth (YoY) | -12.08% | -16.83% | -19.25% | 6.42% | -0.52% | +1,157 bps | |
| Share Growth (YoY) | 6.61% | 6.04% | 2.31% | 5.57% | 1.78% | -483 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 7.39% | 4.49% | 2.45% | 5.58% | +366 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.39% | 5.39% | 5.33% | 3.34% | 3.57% | -182 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.16% | 19.81% | 19.94% | 19.39% | 19.98% | -18 bps | |
| Net Worth / Assets | 20.16% | 19.81% | 19.94% | 19.39% | 19.98% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.22% | 26.60% | 25.50% | 31.02% | 26.61% | -61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |