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 | |