Atlanta, GA · Charter 67388
NCUA · 1 branch
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.27% | 0.20% | 0.24% | 0.19% | 0.23% | 0.28% | 0.27% | +4 bps | |
| Return on Equity | 2.00% | 2.11% | 1.49% | 1.65% | 1.38% | 1.62% | 1.87% | 1.84% | +19 bps | |
| Net Interest Margin | 2.38% | 2.58% | 2.67% | 2.68% | 2.32% | 2.53% | 2.58% | 2.57% | -12 bps | |
| Efficiency Ratio | 88.01% | 87.84% | 90.33% | 86.87% | 88.69% | 87.72% | 86.46% | 87.27% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.33% | -8.01% | -10.19% | -9.52% | -9.30% | -8.02% | -5.50% | -1.44% | +807 bps | |
| Loan Growth (YoY) | 11.24% | 6.90% | 4.64% | -0.13% | -2.37% | -5.25% | -10.03% | -11.93% | -1,179 bps | |
| Share Growth (YoY) | -7.24% | -11.27% | -13.84% | -11.35% | -10.71% | -8.62% | -4.95% | -1.07% | +1,028 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.12% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.31% | 13.00% | 13.68% | 14.25% | 13.78% | 14.34% | 14.76% | 14.73% | +48 bps | |
| Net Worth / Assets | 12.31% | 13.00% | 13.68% | 14.25% | 13.78% | 14.34% | 14.76% | 14.73% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.54% | 67.57% | 73.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |