Winston Salem, NC · Charter 24814
NCUA · 1 branch
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |