Atlanta, GA · Charter 67388
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
86
Profitability
20
Liquidity
79
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Atlanta, GA · Charter 67388
NCUA · 1 branch
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.19% | 0.23% | 0.28% | 0.27% | +4 bps | |
| Return on Equity | 1.65% | 1.38% | 1.62% | 1.87% | 1.84% | +19 bps | |
| Net Interest Margin | 2.68% | 2.32% | 2.53% | 2.58% | 2.57% | -12 bps | |
| Efficiency Ratio | 86.87% | 88.69% | 87.72% | 86.46% | 87.27% | +41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.52% | -9.30% | -8.02% | -5.50% | -1.44% | +807 bps | |
| Loan Growth (YoY) | -0.13% | -2.37% | -5.25% | -10.03% | -11.93% | -1,179 bps | |
| Share Growth (YoY) | -11.35% | -10.71% | -8.62% | -4.95% | -1.07% | +1,028 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.41% | 0.44% | 0.42% | 0.10% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.25% | 13.78% | 14.34% | 14.76% | 14.73% | +48 bps | |
| Net Worth / Assets | 14.25% | 13.78% | 14.34% | 14.76% | 14.73% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.13% | 69.49% | 70.07% | 69.54% | 65.99% | -814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 67388 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.27%
Rank 1,279 of 1,724
Net Interest Margin
2.57%
Rank 1,533 of 1,723
Efficiency Ratio
87.28%
Rank 1,282 of 1,721
Equity / Assets
14.73%
Rank 549 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.25% | 0.67% | 1.13% | Beats 26% | 1,279 / 1,724 | |
| Return on Equity | 1.84% | 1.95% | 5.34% | 8.54% | Beats 24% | 1,308 / 1,723 | |
| Net Interest Margin | 2.57% | 3.03% | 3.61% | 4.27% | Beats 11% | 1,533 / 1,723 | |
| Efficiency Ratio | 87.28% | 69.84% | 78.36% | 87.50% | Beats 26% | 1,282 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.28% | 0.70% | 1.38% | Beats 86% | 243 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.73% | 10.16% | 12.41% | 16.03% | Beats 68% | 550 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.73% | 10.15% | 12.41% | 16.03% | Beats 68% | 549 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.99% | 55.95% | 72.66% | 85.34% | 39th pctl | 1,058 / 1,722 | |
| Loans / Assets | 55.78% | 47.91% | 62.00% | 72.82% | 38th pctl | 1,073 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||