Atlanta, GA · Charter 359
NCUA · 8 branches
Q1 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.14% | 0.44% | 0.50% | -0.09% | -67 bps | |
| Return on Equity | 4.89% | 1.19% | 3.55% | 3.84% | -0.70% | -558 bps | |
| Net Interest Margin | 1.75% | 1.80% | 2.00% | 2.23% | 2.77% | +103 bps | |
| Efficiency Ratio | 79.65% | 94.41% | 84.54% | 83.39% | 100.01% | +2,036 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.48% | 2.74% | 1.84% | -0.43% | -5.95% | -1,143 bps | |
| Loan Growth (YoY) | 5.13% | 3.60% | 7.38% | 7.14% | 5.52% | +39 bps | |
| Share Growth (YoY) | 7.53% | 5.17% | 4.78% | 1.52% | -5.63% | -1,316 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.10% | 0.13% | 0.23% | 0.19% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.25% | 0.24% | 0.26% | 0.00% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.80% | 11.98% | 12.43% | 12.98% | 12.89% | +109 bps | |
| Net Worth / Assets | 11.80% | 11.98% | 12.43% | 12.98% | 12.89% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.34% | 46.36% | 48.04% | 50.72% | 49.57% | +524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |