Jacksonville, FL · Charter 67298
NCUA · 3 branches
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 | 0.12% | 0.02% | -0.46% | -0.36% | -0.10% | -0.26% | -1.36% | -2.62% | -226 bps | |
| Return on Equity | 0.57% | 0.11% | -2.46% | -1.93% | -0.56% | -1.32% | -8.43% | -17.56% | -1,563 bps | |
| Net Interest Margin | 1.95% | 1.60% | 1.53% | 1.48% | 1.51% | 1.50% | 1.69% | 1.87% | +39 bps | |
| Efficiency Ratio | 93.79% | 97.42% | 100.71% | 103.54% | 104.54% | 112.62% | 167.52% | 205% | +10,173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 8.54% | 6.58% | 6.36% | 4.54% | 5.21% | -2.32% | -5.09% | -1,145 bps | |
| Loan Growth (YoY) | -12.96% | -14.76% | -13.42% | -10.39% | -7.06% | -1.68% | 0.41% | -5.64% | +475 bps | |
| Share Growth (YoY) | 9.47% | 11.28% | 9.45% | 8.68% | 6.79% | 5.34% | 0.73% | -2.14% | -1,082 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.14% | 0.21% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.68% | 1.21% | 1.05% | 1.04% | 1.07% | 1.01% | 1.06% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.31% | 19.48% | 18.84% | 18.70% | 18.58% | 19.25% | 16.13% | 14.92% | -379 bps | |
| Net Worth / Assets | 20.31% | 19.48% | 18.84% | 18.70% | 18.58% | 19.25% | 16.13% | 14.92% | -379 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.92% | 38.46% | 36.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |