Cornelia, GA · Charter 67391
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.76% | 0.64% | 1.06% | 1.01% | 1.04% | -2.24% | -0.05% | -111 bps | |
| Return on Equity | 8.07% | 5.68% | 4.75% | 7.76% | 7.16% | 7.16% | -15.11% | -0.35% | -811 bps | |
| Net Interest Margin | 4.63% | 4.70% | 3.30% | 3.56% | 3.85% | 4.09% | 5.20% | 5.17% | +161 bps | |
| Efficiency Ratio | 82.66% | 86.34% | 85.40% | 77.68% | 79.48% | 80.20% | 81.79% | 100.75% | +2,307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.49% | 8.83% | 52.96% | 53.81% | 49.21% | 48.86% | -1.42% | 1.46% | -5,235 bps | |
| Loan Growth (YoY) | 25.07% | 27.09% | 26.74% | 32.14% | 31.84% | 29.40% | 22.33% | 14.86% | -1,728 bps | |
| Share Growth (YoY) | 8.70% | 9.42% | 53.55% | 56.72% | 46.76% | 46.33% | -2.71% | 0.98% | -5,575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.38% | 0.64% | 0.88% | 0.79% | 0.51% | 0.86% | 1.19% | +31 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 | 0.55% | 0.62% | 0.64% | 0.66% | 0.71% | 0.86% | 0.00% | 0.00% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.39% | 13.41% | 13.45% | 13.72% | 14.15% | 14.53% | 14.82% | 13.97% | +26 bps | |
| Net Worth / Assets | 13.39% | 13.41% | 13.45% | 13.72% | 14.15% | 14.53% | 14.82% | 13.97% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.08% | 92.81% | 66.52% | 73.22% | 79.13% | 82.07% | 83.64% | 83.28% | +1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |