Toccoa, GA · Charter 22299
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.80% | 1.44% | 0.97% | 0.38% | 0.17% | 0.13% | -9.19% | -1,016 bps | |
| Return on Equity | 8.43% | 8.83% | 6.68% | 4.61% | 1.81% | 0.81% | 0.59% | -70.22% | -7,484 bps | |
| Net Interest Margin | 4.59% | 4.58% | 4.54% | 4.21% | 3.25% | 3.16% | 3.17% | -3.11% | -732 bps | |
| Efficiency Ratio | 63.78% | 59.62% | 63.20% | 71.55% | 78.59% | 88.46% | 90.82% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | 1.13% | -0.84% | -1.06% | -2.64% | -0.94% | 0.19% | -5.84% | -478 bps | |
| Loan Growth (YoY) | 5.55% | -6.46% | -19.97% | -27.28% | -34.91% | -22.53% | -11.78% | 0.22% | +2,750 bps | |
| Share Growth (YoY) | -5.96% | -0.74% | -2.91% | -2.61% | -4.04% | -1.43% | 0.25% | 1.80% | +441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 2.41% | 0.16% | 3.67% | 1.55% | 2.82% | 2.05% | 3.68% | +1 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 | 1.43% | 1.04% | 1.97% | 2.55% | 2.12% | 2.09% | 2.56% | 2.53% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.68% | 20.43% | 21.59% | 20.98% | 20.87% | 20.79% | 21.56% | 13.09% | -789 bps | |
| Net Worth / Assets | 19.68% | 20.43% | 21.59% | 20.98% | 20.87% | 20.79% | 21.56% | 13.09% | -789 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.19% | 44.82% | 39.46% | 35.52% | 32.01% | 35.23% | 34.72% | 34.97% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |