Abbeville, SC · Charter 24842
NCUA · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Abbeville, SC · Charter 24842
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 3.29% | -0.07% | 0.26% | 0.38% | 0.33% | 0.41% | 0.40% | +14 bps | |
| Return on Equity | 2.23% | 27.20% | -0.57% | 2.12% | 3.07% | 2.70% | 3.44% | 3.29% | +117 bps | |
| Net Interest Margin | 3.51% | 6.66% | 3.25% | 3.30% | 3.37% | 3.45% | 3.53% | 3.77% | +48 bps | |
| Efficiency Ratio | 92.75% | 58.98% | 99.72% | 93.54% | 91.46% | 93.17% | 91.85% | 87.14% | -640 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.78% | 29.49% | 12.85% | 8.79% | 3.43% | 3.84% | 6.36% | 5.60% | -318 bps | |
| Loan Growth (YoY) | 0.60% | 3.68% | 13.71% | 18.33% | 18.50% | 18.08% | 9.12% | 8.04% | -1,029 bps | |
| Share Growth (YoY) | 36.31% | 34.82% | 15.01% | 9.77% | 4.01% | 3.87% | 6.20% | 5.36% | -441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.48% | 1.55% | 0.43% | 0.53% | 0.29% | 0.96% | 1.75% | +131 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 | 1.75% | 1.71% | 1.67% | 1.55% | 1.48% | 1.52% | 1.53% | 1.77% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.52% | 12.11% | 12.12% | 12.29% | 12.48% | 12.16% | 11.99% | 12.12% | -18 bps | |
| Net Worth / Assets | 12.52% | 12.11% | 12.12% | 12.29% | 12.48% | 12.16% | 11.99% | 12.12% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.02% | 62.99% | 67.72% | 72.90% | 72.94% | 71.60% | 69.58% | 74.76% | +186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |