Thomasville, GA · Charter 67392
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Thomasville, GA · Charter 67392
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.13% | 0.20% | 0.21% | -0.13% | -1.98% | -1.10% | -0.79% | -100 bps | |
| Return on Equity | 0.93% | 0.43% | 0.69% | 0.75% | -0.46% | -7.09% | -4.02% | -2.96% | -371 bps | |
| Net Interest Margin | 5.19% | 4.65% | 4.26% | 4.07% | 4.22% | 3.90% | 3.79% | 3.70% | -36 bps | |
| Efficiency Ratio | 79.02% | 86.56% | 83.41% | 84.63% | 90.90% | 130.43% | 107.54% | 106.09% | +2,146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.93% | -1.88% | 2.91% | 5.31% | 8.53% | 7.14% | 2.17% | 0.90% | -441 bps | |
| Loan Growth (YoY) | -8.24% | -9.69% | -14.32% | -13.80% | -13.95% | -9.91% | -8.45% | -8.30% | +550 bps | |
| Share Growth (YoY) | -4.59% | -2.51% | 3.92% | 6.94% | 12.46% | 11.35% | 4.18% | 2.78% | -417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.17% | 3.57% | 2.96% | 3.63% | 3.76% | 3.15% | 1.64% | 1.83% | -180 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 | 2.06% | 2.08% | 2.04% | 2.19% | 2.39% | 2.38% | 2.38% | 2.30% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.65% | 30.62% | 28.68% | 27.99% | 29.03% | 27.92% | 27.30% | 26.86% | -113 bps | |
| Net Worth / Assets | 31.65% | 30.62% | 28.68% | 27.99% | 29.03% | 27.92% | 27.30% | 26.86% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.89% | 72.97% | 62.89% | 59.40% | 62.66% | 59.04% | 55.27% | 53.00% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |