Pisgah Forest, NC · Charter 63663
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -1.03% | 0.09% | -0.23% | -0.07% | -0.34% | -0.70% | 0.14% | +37 bps | |
| Return on Equity | 2.65% | -11.07% | 0.97% | -2.54% | -0.67% | -3.55% | -7.30% | 1.32% | +387 bps | |
| Net Interest Margin | 2.31% | 1.96% | 2.30% | 2.39% | 2.49% | 1.96% | 2.43% | 3.16% | +77 bps | |
| Efficiency Ratio | 87.17% | 121.73% | 78.79% | 88.54% | 85.49% | 112.56% | 112.88% | 83.65% | -489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.68% | 8.62% | 7.63% | 7.98% | 1.61% | -1.79% | -3.17% | -8.29% | -1,627 bps | |
| Loan Growth (YoY) | -10.65% | -9.00% | -9.58% | -7.12% | -0.81% | 9.22% | 13.13% | 22.78% | +2,991 bps | |
| Share Growth (YoY) | 13.12% | 9.57% | 7.98% | 8.57% | 2.19% | -1.90% | -2.70% | -8.77% | -1,735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.85% | 0.99% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.59% | 1.16% | 1.20% | 1.23% | 0.99% | 0.00% | 0.00% | -120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.82% | 9.27% | 9.62% | 9.22% | 9.69% | 9.64% | 9.56% | 10.38% | +116 bps | |
| Net Worth / Assets | 9.82% | 9.27% | 9.62% | 9.22% | 9.69% | 9.64% | 9.56% | 10.38% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.60% | 29.58% | 29.84% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |