Winston-Salem, NC · Charter 21639
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
44
Profitability
32
Liquidity
31
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Winston-Salem, NC · Charter 21639
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.02% | 0.09% | -0.01% | -0.30% | -1.91% | -2.49% | -2.72% | -271 bps | |
| Return on Equity | -3.90% | -0.13% | 0.73% | -0.06% | -2.28% | -15.30% | -19.34% | -21.43% | -2,137 bps | |
| Net Interest Margin | 4.10% | 4.26% | 3.52% | 4.39% | 3.94% | 4.94% | 5.10% | 5.37% | +99 bps | |
| Efficiency Ratio | 93.31% | 93.76% | 94.13% | 96.31% | 106.77% | 112.18% | 126.50% | 128.81% | +3,249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | -3.96% | 0.00% | -5.50% | -12.58% | -11.19% | -20.52% | -20.18% | -1,468 bps | |
| Loan Growth (YoY) | 18.92% | 14.89% | 0.00% | 3.93% | -4.88% | -9.99% | -7.09% | -18.82% | -2,276 bps | |
| Share Growth (YoY) | 2.50% | -5.44% | 0.00% | -10.63% | -12.92% | -14.39% | -22.08% | -18.95% | -833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.45% | 0.76% | 0.88% | 0.21% | 0.17% | 0.44% | 0.84% | -5 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 12.15% | 11.94% | 12.38% | 13.26% | 12.49% | 12.85% | 12.67% | +29 bps | |
| Net Worth / Assets | 11.63% | 12.15% | 11.94% | 12.38% | 13.26% | 12.49% | 12.85% | 12.67% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.84% | 84.66% | 72.79% | 87.45% | 86.12% | 89.01% | 86.79% | 87.59% | +14 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winston-Salem, NC · Charter 21639 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-2.72%
Rank 1,700 of 1,724
Net Interest Margin
5.38%
Rank 116 of 1,723
Efficiency Ratio
128.59%
Rank 1,683 of 1,721
Equity / Assets
12.67%
Rank 819 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.72% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,700 / 1,724 | ||
| Return on Equity | -21.45% | 1.95% | 5.34% | 8.54% | Beats 2% | 1,696 / 1,723 | ||
| Net Interest Margin | 5.38% | 3.03% | 3.61% | 4.27% | Beats 93% | 116 / 1,723 | ||
| Efficiency Ratio | 128.59% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,683 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.28% | 0.70% | 1.38% | Beats 44% | 970 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.67% | 10.16% | 12.41% | 16.03% | Beats 53% | 818 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.67% | 10.15% | 12.41% | 16.03% | Beats 52% | 819 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.59% | 55.95% | 72.66% | 85.34% | 79th pctl | 361 / 1,722 | ||
| Loans / Assets | 74.05% | 47.91% | 62.00% | 72.82% | 79th pctl | 366 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||