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 | |