Jacksonville, FL · Charter 61605
NCUA · 8 branches
Q4 2023
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 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.74% | 0.71% | 0.65% | 0.15% | 0.29% | 0.22% | 0.27% | -39 bps | |
| Return on Equity | 9.71% | 8.17% | 7.67% | 6.76% | 1.60% | 3.28% | 2.39% | 2.85% | -391 bps | |
| Net Interest Margin | 3.00% | 3.15% | 3.29% | 3.59% | 3.84% | 3.68% | 3.81% | 3.90% | +31 bps | |
| Efficiency Ratio | 82.98% | 83.66% | 83.60% | 83.64% | 84.79% | 85.10% | 85.36% | 84.34% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.22% | 6.22% | 5.00% | -1.15% | 0.57% | 7.07% | 4.82% | 5.65% | +680 bps | |
| Loan Growth (YoY) | -2.19% | 3.16% | 5.81% | 9.12% | 6.80% | 4.65% | 11.00% | 9.57% | +45 bps | |
| Share Growth (YoY) | 10.97% | 8.56% | 6.59% | 0.18% | -2.69% | -6.59% | -9.07% | -9.43% | -961 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.37% | 0.53% | 0.63% | 0.67% | 0.62% | 0.64% | 1.08% | +45 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 | 0.67% | 0.65% | 0.67% | 0.69% | 0.00% | 0.00% | 0.00% | 0.00% | -69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.89% | 9.08% | 9.25% | 9.64% | 9.26% | 8.84% | 9.05% | 9.30% | -34 bps | |
| Net Worth / Assets | 8.89% | 9.08% | 9.25% | 9.64% | 9.26% | 8.84% | 9.05% | 9.30% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.37% | 70.42% | 70.22% | 73.55% | 75.04% | 78.90% | 85.72% | 88.98% | +1,543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |