Tallahassee, FL · Charter 67300
NCUA · 2 branches
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.20% | -0.30% | -0.22% | -0.21% | -0.17% | -0.03% | -0.02% | -0.31% | -10 bps | |
| Return on Equity | -7.10% | -1.83% | -1.39% | -1.37% | -1.13% | -0.18% | -0.16% | -2.18% | -82 bps | |
| Net Interest Margin | 3.04% | 2.90% | 2.79% | 2.71% | 2.40% | 2.44% | 2.35% | 2.44% | -28 bps | |
| Efficiency Ratio | 140.94% | 102.44% | 99.66% | 98.19% | 105.81% | 100.89% | 100.76% | 110.03% | +1,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | 7.49% | 9.38% | 11.59% | 12.21% | 8.22% | 9.91% | 7.52% | -406 bps | |
| Loan Growth (YoY) | 12.32% | 1.56% | 2.91% | -2.67% | -8.22% | -5.43% | -5.88% | -3.67% | -100 bps | |
| Share Growth (YoY) | 4.16% | 7.94% | 10.60% | 13.37% | 15.07% | 10.77% | 12.83% | 11.04% | -233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.38% | 0.48% | 0.42% | 0.36% | 0.25% | 0.09% | 0.39% | -2 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 | 0.50% | 0.51% | 0.60% | 0.59% | 0.66% | 0.71% | 0.69% | 0.68% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.86% | 16.45% | 16.04% | 15.69% | 15.05% | 15.12% | 14.53% | 14.28% | -141 bps | |
| Net Worth / Assets | 16.86% | 16.45% | 16.04% | 15.69% | 15.05% | 15.12% | 14.53% | 14.28% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.08% | 51.30% | 48.71% | 46.93% | 43.14% | 43.80% | 40.63% | 40.71% | -622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |