Jacksonville, FL · Charter 67298
NCUA · 3 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jacksonville, FL · Charter 67298
NCUA · 3 branches
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 | -0.36% | -0.10% | -0.26% | -1.36% | -2.62% | -226 bps | |
| Return on Equity | -1.93% | -0.56% | -1.32% | -8.43% | -17.56% | -1,563 bps | |
| Net Interest Margin | 1.48% | 1.51% | 1.50% | 1.69% | 1.87% | +39 bps | |
| Efficiency Ratio | 103.54% | 104.54% | 112.62% | 167.52% | 205% | +10,173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.36% | 4.54% | 5.21% | -2.32% | -5.09% | -1,145 bps | |
| Loan Growth (YoY) | -10.39% | -7.06% | -1.68% | 0.41% | -5.64% | +475 bps | |
| Share Growth (YoY) | 8.68% | 6.79% | 5.34% | 0.73% | -2.14% | -1,082 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.02% | 0.00% | 0.49% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.04% | 1.07% | 1.01% | 1.06% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.70% | 18.58% | 19.25% | 16.13% | 14.92% | -379 bps | |
| Net Worth / Assets | 18.70% | 18.58% | 19.25% | 16.13% | 14.92% | -379 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.57% | 37.35% | 35.89% | 36.47% | 35.26% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |