Thomasville, GA · Charter 67392
NCUA · 1 branch
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | -0.13% | -1.98% | -1.10% | -0.79% | -100 bps | |
| Return on Equity | 0.75% | -0.46% | -7.09% | -4.02% | -2.96% | -371 bps | |
| Net Interest Margin | 4.07% | 4.22% | 3.90% | 3.79% | 3.70% | -36 bps | |
| Efficiency Ratio | 84.63% | 90.90% | 130.43% | 107.54% | 106.09% | +2,146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.31% | 8.53% | 7.14% | 2.17% | 0.90% | -441 bps | |
| Loan Growth (YoY) | -13.80% | -13.95% | -9.91% | -8.45% | -8.30% | +550 bps | |
| Share Growth (YoY) | 6.94% | 12.46% | 11.35% | 4.18% | 2.78% | -417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.19% | 2.39% | 2.38% | 2.38% | 2.30% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.99% | 29.03% | 27.92% | 27.30% | 26.86% | -113 bps | |
| Net Worth / Assets | 27.99% | 29.03% | 27.92% | 27.30% | 26.86% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |