Douglas, GA · Charter 61262
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
17
Profitability
81
Liquidity
52
Efficiency
88
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Douglas, GA · Charter 61262
NCUA · 1 branch
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.19% | 0.79% | 1.05% | 1.27% | 1.48% | 1.65% | 1.71% | +66 bps | |
| Return on Equity | -0.14% | 1.07% | 4.48% | 5.80% | 6.72% | 7.15% | 7.99% | 8.13% | +233 bps | |
| Net Interest Margin | 2.34% | 2.52% | 3.18% | 3.48% | 3.83% | 4.25% | 5.00% | 4.61% | +113 bps | |
| Efficiency Ratio | 98.43% | 91.59% | 75.72% | 69.92% | 67.61% | 65.85% | 65.97% | 61.88% | -804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.66% | -0.07% | -0.94% | -3.17% | -7.29% | -7.37% | -7.59% | -6.21% | -303 bps | |
| Loan Growth (YoY) | -1.95% | 11.50% | 21.08% | 44.34% | 37.62% | 36.29% | 36.87% | 22.57% | -2,177 bps | |
| Share Growth (YoY) | 1.29% | 0.15% | -0.99% | -4.00% | -8.45% | -10.65% | -11.51% | -9.00% | -500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.03% | 0.05% | 0.53% | 0.43% | 0.03% | 0.25% | 1.62% | +109 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 | 3.25% | 2.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.45% | 17.84% | 17.56% | 18.05% | 18.91% | 20.74% | 20.65% | 20.97% | +292 bps | |
| Net Worth / Assets | 16.45% | 17.84% | 17.56% | 18.05% | 18.91% | 20.74% | 20.65% | 20.97% | +292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.69% | 52.16% | 53.24% | 62.25% | 64.17% | 79.56% | 82.35% | 83.85% | +2,160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Douglas, GA · Charter 61262 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
1.68%
Rank 196 of 1,753
Net Interest Margin
4.63%
Rank 248 of 1,752
Efficiency Ratio
61.11%
Rank 212 of 1,748
Equity / Assets
20.98%
Rank 172 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.23% | 0.68% | 1.19% | Beats 89% | 196 / 1,753 | n/a | |
| Return on Equity | 8.00% | 1.80% | 5.29% | 9.05% | Beats 69% | 548 / 1,750 | n/a | |
| Net Interest Margin | 4.63% | 2.98% | 3.54% | 4.20% | Beats 86% | 248 / 1,752 | n/a | |
| Efficiency Ratio | 61.11% | 69.58% | 78.86% | 88.33% | Beats 88% | 212 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.63% | 0.22% | 0.59% | 1.20% | Beats 17% | 1,447 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.97% | 9.91% | 12.21% | 15.57% | Beats 90% | 173 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.98% | 9.91% | 12.21% | 15.57% | Beats 90% | 172 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.85% | 55.88% | 73.01% | 86.61% | 70th pctl | 519 / 1,750 | n/a | |
| Loans / Assets | 65.76% | 48.21% | 62.51% | 73.23% | 57th pctl | 759 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||