Winston Salem, NC · Charter 24814
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.59% | -0.17% | 0.00% | 0.15% | +24 bps | |
| Return on Equity | -0.69% | -4.64% | -1.35% | -0.03% | 1.15% | +185 bps | |
| Net Interest Margin | 4.48% | 4.41% | 4.35% | 4.34% | 4.38% | -10 bps | |
| Efficiency Ratio | 90.93% | 94.35% | 93.17% | 92.20% | 91.90% | +97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.39% | -7.11% | -1.67% | 1.08% | 1.50% | +889 bps | |
| Loan Growth (YoY) | -3.63% | -4.86% | -5.69% | -7.23% | -7.81% | -418 bps | |
| Share Growth (YoY) | -8.85% | -7.48% | -2.30% | 1.09% | 2.58% | +1,143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.80% | 12.61% | 12.37% | 12.47% | 12.70% | -11 bps | |
| Net Worth / Assets | 12.80% | 12.61% | 12.37% | 12.47% | 12.70% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |