Gainesville, FL · Charter 21568
NCUA · 2 branches
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.01% | 0.18% | 0.42% | -0.97% | -82 bps | |
| Return on Equity | -1.16% | 0.09% | 1.39% | 3.13% | -7.23% | -606 bps | |
| Net Interest Margin | 3.30% | 3.47% | 3.62% | 4.17% | 4.30% | +100 bps | |
| Efficiency Ratio | 96.78% | 94.60% | 91.81% | 90.56% | 112.95% | +1,617 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 7.45% | 5.07% | -1.05% | -5.99% | -1,210 bps | |
| Loan Growth (YoY) | 21.83% | 17.82% | 19.09% | 23.25% | 7.77% | -1,405 bps | |
| Share Growth (YoY) | 7.64% | 9.16% | 5.87% | -1.37% | -6.15% | -1,379 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.15% | 0.77% | 0.13% | 0.65% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.75% | 0.82% | 0.00% | 0.00% | -80 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.85% | 12.93% | 13.11% | 13.41% | 13.46% | +61 bps | |
| Net Worth / Assets | 12.85% | 12.93% | 13.11% | 13.41% | 13.46% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.43% | 78.38% | 81.30% | 82.88% | 85.47% | +1,104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |