Winston Salem, NC · Charter 24814
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
10
Profitability
39
Liquidity
0
Efficiency
16
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 24814
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 | 0.74% | 0.29% | 0.14% | -0.09% | -0.59% | -0.17% | 0.00% | 0.15% | +24 bps | |
| Return on Equity | 6.08% | 2.27% | 1.06% | -0.69% | -4.64% | -1.35% | -0.03% | 1.15% | +185 bps | |
| Net Interest Margin | 4.17% | 4.28% | 4.41% | 4.48% | 4.41% | 4.35% | 4.34% | 4.38% | -10 bps | |
| Efficiency Ratio | 83.07% | 89.10% | 90.10% | 90.93% | 94.35% | 93.17% | 92.20% | 91.90% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.84% | -9.51% | -8.73% | -7.39% | -7.11% | -1.67% | 1.08% | 1.50% | +889 bps | |
| Loan Growth (YoY) | -9.14% | -6.60% | -3.67% | -3.63% | -4.86% | -5.69% | -7.23% | -7.81% | -418 bps | |
| Share Growth (YoY) | -8.82% | -10.55% | -10.51% | -8.85% | -7.48% | -2.30% | 1.09% | 2.58% | +1,143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 3.19% | 1.92% | 1.61% | 1.27% | 1.26% | 2.42% | 2.60% | +99 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 | 1.33% | 1.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.11% | 12.54% | 12.86% | 12.80% | 12.61% | 12.37% | 12.47% | 12.70% | -11 bps | |
| Net Worth / Assets | 12.11% | 12.54% | 12.86% | 12.80% | 12.61% | 12.37% | 12.47% | 12.70% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.01% | 38.10% | 39.15% | 39.24% | 38.06% | 36.78% | 35.93% | 35.26% | -398 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 24814 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.15%
Rank 1,400 of 1,724
Net Interest Margin
4.38%
Rank 365 of 1,723
Efficiency Ratio
91.89%
Rank 1,446 of 1,721
Equity / Assets
12.70%
Rank 815 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.25% | 0.67% | 1.13% | Beats 19% | 1,400 / 1,724 | ||
| Return on Equity | 1.15% | 1.95% | 5.34% | 8.54% | Beats 19% | 1,398 / 1,723 | ||
| Net Interest Margin | 4.38% | 3.03% | 3.61% | 4.27% | Beats 79% | 365 / 1,723 | ||
| Efficiency Ratio | 91.89% | 69.84% | 78.36% | 87.50% | Beats 16% | 1,446 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.60% | 0.28% | 0.70% | 1.38% | Beats 10% | 1,547 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.70% | 10.16% | 12.41% | 16.03% | Beats 53% | 816 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.70% | 10.15% | 12.41% | 16.03% | Beats 53% | 815 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.26% | 55.95% | 72.66% | 85.34% | 6th pctl | 1,612 / 1,722 | ||
| Loans / Assets | 30.98% | 47.91% | 62.00% | 72.82% | 7th pctl | 1,600 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||