Goodwater, AL · Charter 62798
NCUA · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.24% | -1.03% | -1.99% | -2.20% | -2.66% | -2.90% | -2.94% | -2.20% | +1 bps | |
| Return on Equity | -30.69% | -7.54% | -15.11% | -16.26% | -20.50% | -23.01% | -23.09% | -17.04% | -78 bps | |
| Net Interest Margin | 2.63% | 2.26% | 2.11% | 2.44% | 2.41% | 2.11% | 1.88% | 2.02% | -42 bps | |
| Efficiency Ratio | 160.47% | 132.79% | 166.85% | 163.83% | 168.35% | 196.43% | 198.15% | 166.02% | +220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 4.13% | -5.08% | -10.56% | -11.69% | -13.41% | -17.26% | -13.23% | -268 bps | |
| Loan Growth (YoY) | -41.28% | -45.75% | -36.23% | -26.32% | -16.64% | -17.91% | -10.11% | 2.44% | +2,876 bps | |
| Share Growth (YoY) | 10.86% | 10.41% | -0.84% | -8.87% | -13.15% | -12.14% | -16.80% | -12.50% | -364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.25% | 3.89% | 5.46% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 8.64% | 8.48% | 8.82% | 6.71% | 5.03% | 5.88% | 5.31% | 5.38% | -134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.83% | 13.65% | 13.15% | 13.56% | 12.99% | 12.60% | 12.72% | 12.90% | -66 bps | |
| Net Worth / Assets | 13.83% | 13.65% | 13.15% | 13.56% | 12.99% | 12.60% | 12.72% | 12.90% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.18% | 19.05% | 16.68% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |