Macon, GA · Charter 21297
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.00% | -0.75% | 0.05% | 0.09% | -0.20% | 0.16% | -6.45% | -650 bps | |
| Return on Equity | 1.46% | 0.03% | -5.32% | 0.35% | 0.64% | -1.24% | 1.03% | -51.02% | -5,137 bps | |
| Net Interest Margin | 4.72% | 5.05% | 4.85% | 5.37% | 5.41% | 5.96% | 6.22% | 5.59% | +21 bps | |
| Efficiency Ratio | 96.23% | 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 / Loans | 0.00% | 0.00% | 0.07% | 0.04% | 0.02% | 0.00% | 0.00% | 0.00% | -4 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 | 0.17% | 0.55% | 0.55% | 0.58% | 0.58% | 0.52% | 0.57% | 0.56% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 14.36% | 14.01% | 14.28% | 14.28% | 16.33% | 15.52% | 12.65% | -163 bps | |
| Net Worth / Assets | 13.37% | 14.36% | 14.01% | 14.28% | 14.28% | 16.33% | 15.52% | 12.65% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.64% | 84.49% | 83.21% | 80.41% | 79.78% | 92.96% | 80.27% | 80.38% | -3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |