Savannah, GA · Charter 67363
NCUA · 1 branch
Q4 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.47% | -0.31% | -0.29% | -4.67% | -449 bps | |
| Return on Equity | -1.11% | -2.91% | -1.92% | -1.72% | -33.62% | -3,251 bps | |
| Net Interest Margin | 2.30% | 2.59% | 2.75% | 2.96% | 1.58% | -72 bps | |
| Efficiency Ratio | 105.85% | 114.64% | 109.20% | 107.95% | 289% | +18,342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.98% | 2.75% | -0.41% | -8.19% | -12.33% | -1,532 bps | |
| Loan Growth (YoY) | 7.62% | 13.66% | 7.30% | 0.76% | -7.79% | -1,541 bps | |
| Share Growth (YoY) | 4.41% | 3.65% | -0.24% | -9.64% | -11.49% | -1,590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.93% | 0.49% | 0.32% | 0.21% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.65% | 0.00% | 0.00% | 0.00% | 0.00% | -265 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.28% | 16.05% | 16.27% | 16.75% | 13.90% | -238 bps | |
| Net Worth / Assets | 16.28% | 16.05% | 16.27% | 16.75% | 13.90% | -238 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.98% | 38.77% | 40.05% | 39.57% | 39.57% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |