PackageTrendsPeer
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Local 461

Macon, GA · Charter 21297

NCUA · 1 branch

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Local 461

Macon, GA · Charter 21297

NCUA · 1 branch

Q2 2023

$1.2MAssets
$834KLoans
$1.0MShares
$151KNet Worth

Executive Summary

  • Earnings: ROA of -6.45%, down 650 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.65%, down 163 bps from a year ago.
  • Funding: loans stand at 80.38% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

-6.45%-650 bps YoY

Net Interest Margin (YTD, annualized)

5.59%+21 bps YoY

Efficiency Ratio (YTD, annualized)

206%+10,670 bps YoY

Net Worth / Assets

12.65%-163 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.20%0.00%-0.75%0.05%0.09%-0.20%0.16%-6.45%-650 bps
Return on Equity1.46%0.03%-5.32%0.35%0.64%-1.24%1.03%-51.02%-5,137 bps
Net Interest Margin4.72%5.05%4.85%5.37%5.41%5.96%6.22%5.59%+21 bps
Efficiency Ratio96.23%99.93%113.77%99.15%98.49%103.84%97.60%206%+10,670 bps
Growth
Asset Growth (YoY)2.01%6.58%1.13%-5.23%-6.92%-13.14%-9.43%-11.50%-627 bps
Loan Growth (YoY)14.60%-2.98%1.79%-4.00%-5.48%-6.82%-14.56%-9.42%-542 bps
Share Growth (YoY)2.31%7.62%1.78%-6.11%-8.01%-15.31%-11.44%-9.39%-328 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.07%0.04%0.02%0.00%0.00%0.00%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.17%0.55%0.55%0.58%0.58%0.52%0.57%0.56%-1 bps
Capital
Risk-Based Capital13.37%14.36%14.01%14.28%14.28%16.33%15.52%12.65%-163 bps
Net Worth / Assets13.37%14.36%14.01%14.28%14.28%16.33%15.52%12.65%-163 bps
Liquidity & Funding
Loans / Shares77.64%84.49%83.21%80.41%79.78%92.96%80.27%80.38%-3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps