Tallahassee, FL · Charter 3404
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.20% | 0.03% | 0.10% | 0.51% | 0.28% | 0.24% | 0.35% | +26 bps | |
| Return on Equity | 5.48% | 1.45% | 0.19% | 0.75% | 4.62% | 2.64% | 2.40% | 3.35% | +260 bps | |
| Net Interest Margin | 5.34% | 5.28% | 5.24% | 4.98% | 4.48% | 4.25% | 4.00% | 4.21% | -77 bps | |
| Efficiency Ratio | 87.84% | 96.38% | 98.97% | 98.01% | 90.21% | 92.53% | 93.51% | 91.95% | -606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 3.36% | 6.62% | 14.30% | 28.42% | 32.26% | 37.38% | 27.27% | +1,297 bps | |
| Loan Growth (YoY) | 27.91% | 11.86% | 10.43% | 11.60% | 7.24% | 16.37% | 17.91% | 6.66% | -494 bps | |
| Share Growth (YoY) | 5.11% | 3.89% | 7.90% | 19.69% | 33.08% | 37.39% | 43.07% | 31.05% | +1,136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.84% | 4.41% | 4.36% | 5.74% | 3.12% | 2.22% | 6.42% | 6.06% | +32 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 | 0.49% | 0.50% | 0.50% | 0.45% | 0.52% | 0.35% | 0.42% | 0.46% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.12% | 13.92% | 13.57% | 12.94% | 11.06% | 10.67% | 10.12% | 10.52% | -242 bps | |
| Net Worth / Assets | 14.12% | 13.92% | 13.57% | 12.94% | 11.06% | 10.67% | 10.12% | 10.52% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.60% | 75.87% | 75.83% | 72.06% | 60.92% | 64.27% | 62.49% | 58.65% | -1,341 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |