Baldwin, GA · Charter 67385
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.06% | 0.05% | 0.04% | 0.02% | 0.02% | 0.03% | 0.14% | +10 bps | |
| Return on Equity | 0.85% | 0.54% | 0.43% | 0.29% | 0.12% | 0.14% | 0.24% | 0.92% | +63 bps | |
| Net Interest Margin | 0.47% | 0.41% | 0.50% | 0.47% | 0.43% | 0.40% | 0.47% | 0.58% | +11 bps | |
| Efficiency Ratio | 71.86% | 77.67% | 69.02% | 74.63% | 89.31% | 88.01% | 86.52% | 70.93% | -370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 5.49% | 1.53% | 1.25% | -6.12% | -9.90% | -8.96% | -14.74% | -1,599 bps | |
| Loan Growth (YoY) | 1.50% | -6.96% | -12.78% | -22.80% | -30.14% | -22.43% | -16.55% | -11.43% | +1,136 bps | |
| Share Growth (YoY) | 4.35% | 6.27% | 1.74% | 1.43% | -6.98% | -11.26% | -10.22% | -17.01% | -1,843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.18% | 0.95% | 0.27% | 0.13% | 0.00% | 0.37% | 0.42% | +15 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 | 0.91% | 1.00% | 1.22% | 0.69% | 0.87% | 0.88% | 0.94% | 0.93% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 11.93% | 12.21% | 12.39% | 13.08% | 13.25% | 13.44% | 14.67% | +228 bps | |
| Net Worth / Assets | 12.26% | 11.93% | 12.21% | 12.39% | 13.08% | 13.25% | 13.44% | 14.67% | +228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.36% | 16.12% | 15.42% | 14.22% | 13.04% | 14.09% | 14.34% | 15.18% | +95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |