Sumter, SC · Charter 60752
NCUA · 2 branches
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | 0.07% | 0.16% | 0.08% | -0.35% | -0.12% | 0.10% | 0.25% | +17 bps | |
| Return on Equity | -2.69% | 0.50% | 1.13% | 0.48% | -2.58% | -0.86% | 0.75% | 1.61% | +112 bps | |
| Net Interest Margin | 3.75% | 3.51% | 3.49% | 3.74% | 2.80% | 2.86% | 2.68% | 3.02% | -72 bps | |
| Efficiency Ratio | 110.65% | 98.02% | 94.70% | 96.91% | 111.92% | 103.93% | 96.52% | 89.31% | -760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.63% | 7.01% | 5.08% | 3.53% | 13.91% | 4.80% | 11.88% | 6.54% | +301 bps | |
| Loan Growth (YoY) | -8.99% | -10.25% | -16.24% | -21.28% | -16.09% | -11.00% | -13.09% | -7.81% | +1,347 bps | |
| Share Growth (YoY) | -5.35% | 7.99% | 5.64% | 3.95% | 16.39% | 5.68% | 14.12% | 7.79% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.08% | 0.07% | 0.31% | 0.00% | 0.26% | 0.56% | 0.88% | +57 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 | 0.42% | 0.36% | 0.43% | 0.51% | 0.49% | 0.41% | 0.43% | 0.58% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.36% | 14.37% | 14.53% | 16.02% | 13.56% | 13.69% | 13.01% | 15.29% | -74 bps | |
| Net Worth / Assets | 15.36% | 14.37% | 14.53% | 16.02% | 13.56% | 13.69% | 13.01% | 15.29% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.06% | 62.24% | 58.08% | 59.13% | 51.23% | 52.42% | 44.23% | 50.57% | -856 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |