Atlanta, GA · Charter 24546
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
87
Asset Quality
100
Profitability
70
Liquidity
0
Efficiency
100
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.
Atlanta, GA · Charter 24546
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 | 0.79% | 1.12% | 1.53% | 1.76% | 2.07% | 2.01% | 2.67% | 2.66% | +91 bps | |
| Return on Equity | 5.81% | 7.96% | 9.84% | 10.89% | 12.69% | 11.82% | 13.84% | 13.37% | +247 bps | |
| Net Interest Margin | 1.44% | 1.74% | 2.18% | 2.33% | 2.74% | 2.71% | 2.73% | 2.90% | +57 bps | |
| Efficiency Ratio | 47.37% | 38.68% | 32.67% | 31.17% | 25.38% | 26.48% | 25.19% | 24.64% | -653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.60% | -1.09% | -1.60% | -2.76% | -4.73% | -4.89% | -6.77% | -6.54% | -379 bps | |
| Loan Growth (YoY) | -55.53% | -36.38% | -39.87% | -29.07% | -35.14% | -59.92% | 12.71% | -0.04% | +2,903 bps | |
| Share Growth (YoY) | 1.91% | -2.39% | -3.39% | -5.12% | -7.73% | -8.09% | -10.96% | -10.78% | -567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 26.48% | 21.38% | 26.59% | 30.85% | 40.83% | 53.36% | 23.59% | 30.86% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.61% | 14.12% | 15.50% | 16.13% | 16.32% | 17.00% | 19.28% | 19.92% | +379 bps | |
| Net Worth / Assets | 13.61% | 14.12% | 15.50% | 16.13% | 16.32% | 17.00% | 19.28% | 19.92% | +379 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.79% | 3.51% | 3.04% | 2.64% | 1.96% | 1.53% | 3.85% | 2.96% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 24546 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
2.56%
Rank 33 of 1,724
Net Interest Margin
2.88%
Rank 1,392 of 1,723
Efficiency Ratio
27.27%
Rank 5 of 1,721
Equity / Assets
19.81%
Rank 226 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.56% | 0.25% | 0.67% | 1.13% | Beats 98% | 33 / 1,724 | ||
| Return on Equity | 12.90% | 1.95% | 5.34% | 8.54% | Beats 93% | 112 / 1,723 | ||
| Net Interest Margin | 2.88% | 3.03% | 3.61% | 4.27% | Beats 19% | 1,392 / 1,723 | ||
| Efficiency Ratio | 27.27% | 69.84% | 78.36% | 87.50% | Beats 100% | 5 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.28% | 0.70% | 1.38% | Beats 100% | 131 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.92% | 10.16% | 12.41% | 16.03% | Beats 87% | 222 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.81% | 10.15% | 12.41% | 16.03% | Beats 87% | 226 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 2.96% | 55.95% | 72.66% | 85.34% | 0th pctl | 1,720 / 1,722 | ||
| Loans / Assets | 2.24% | 47.91% | 62.00% | 72.82% | 0th pctl | 1,720 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||