Savannah, GA · Charter 6582
NCUA · 2 branches
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 1.40% | -0.87% | -0.75% | -0.87% | -0.16% | -1.48% | -0.85% | -10 bps | |
| Return on Equity | 10.84% | 6.84% | -4.28% | -3.79% | -4.32% | -0.83% | -7.84% | -4.45% | -66 bps | |
| Net Interest Margin | 0.95% | 0.94% | 1.14% | 1.27% | 1.22% | 1.39% | 2.18% | 2.52% | +125 bps | |
| Efficiency Ratio | 288% | 273% | 171.24% | 144.31% | 158.75% | 96.29% | 166.79% | 132.81% | -1,149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.78% | 3.00% | -0.40% | 3.61% | 1.20% | 5.84% | 5.54% | 2.30% | -132 bps | |
| Loan Growth (YoY) | -23.56% | -19.73% | -14.78% | 4.73% | -2.40% | 10.57% | 20.87% | 2.33% | -240 bps | |
| Share Growth (YoY) | 6.94% | 1.98% | -2.31% | 2.29% | 1.57% | 7.46% | 7.29% | 3.04% | +74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.90% | 0.45% | 1.17% | 0.09% | 0.12% | 0.56% | +12 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 | 5.76% | 5.88% | 6.57% | 5.65% | 5.65% | 5.32% | 5.31% | 5.43% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.36% | 20.47% | 20.26% | 19.70% | 20.05% | 19.26% | 18.95% | 19.11% | -59 bps | |
| Net Worth / Assets | 20.36% | 20.47% | 20.26% | 19.70% | 20.05% | 19.26% | 18.95% | 19.11% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.29% | 18.15% | 16.42% | 18.34% | 17.58% | 18.68% | 18.50% | 18.21% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |