Goodwater, AL · Charter 62798
NCUA · 1 branch
Q3 2022
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.20% | -2.66% | -2.90% | -2.94% | -2.20% | +1 bps | |
| Return on Equity | -16.26% | -20.50% | -23.01% | -23.09% | -17.04% | -78 bps | |
| Net Interest Margin | 2.44% | 2.41% | 2.11% | 1.88% | 2.02% | -42 bps | |
| Efficiency Ratio | 163.83% | 168.35% | 196.43% | 198.15% | 166.02% | +220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.56% | -11.69% | -13.41% | -17.26% | -13.23% | -268 bps | |
| Loan Growth (YoY) | -26.32% | -16.64% | -17.91% | -10.11% | 2.44% | +2,876 bps | |
| Share Growth (YoY) | -8.87% | -13.15% | -12.14% | -16.80% | -12.50% | -364 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.77% | 4.42% | 5.49% | 6.21% | 4.63% | -514 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.71% | 5.03% | 5.88% | 5.31% | 5.38% | -134 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.56% | 12.99% | 12.60% | 12.72% | 12.90% | -66 bps | |
| Net Worth / Assets | 13.56% | 12.99% | 12.60% | 12.72% | 12.90% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.31% | 21.29% | 17.80% | 18.02% | 21.44% | +313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |