Albany, GA · Charter 24933
NCUA
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 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.
Albany, GA · Charter 24933
NCUA
Q1 2022
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 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | -0.46% | -0.77% | n/a | |
| Return on Equity | -3.59% | -6.06% | n/a | |
| Net Interest Margin | 1.98% | 1.61% | n/a | |
| Efficiency Ratio | 118.51% | 128.38% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Delinquent Loans / Loans | 0.45% | 0.51% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.24% | 2.38% | n/a | |
| Capital | ||||
| Risk-Based Capital | 12.90% | 12.63% | n/a | |
| Net Worth / Assets | 12.90% | 12.63% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 35.48% | 32.25% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |