Pisgah Forest, NC · Charter 63663
NCUA · 1 branch
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.23% | -0.07% | -0.34% | -0.70% | 0.14% | +37 bps | |
| Return on Equity | -2.54% | -0.67% | -3.55% | -7.30% | 1.32% | +387 bps | |
| Net Interest Margin | 2.39% | 2.49% | 1.96% | 2.43% | 3.16% | +77 bps | |
| Efficiency Ratio | 88.54% | 85.49% | 112.56% | 112.88% | 83.65% | -489 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.98% | 1.61% | -1.79% | -3.17% | -8.29% | -1,627 bps | |
| Loan Growth (YoY) | -7.12% | -0.81% | 9.22% | 13.13% | 22.78% | +2,991 bps | |
| Share Growth (YoY) | 8.57% | 2.19% | -1.90% | -2.70% | -8.77% | -1,735 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 1.36% | 1.38% | 1.96% | 2.83% | +197 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.23% | 0.99% | 0.00% | 0.00% | -120 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.22% | 9.69% | 9.64% | 9.56% | 10.38% | +116 bps | |
| Net Worth / Assets | 9.22% | 9.69% | 9.64% | 9.56% | 10.38% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.14% | 30.67% | 32.93% | 34.69% | 39.22% | +1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |