Albany, GA · Charter 67394
NCUA · 4 branches
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 | -0.55% | 0.64% | 0.44% | 0.12% | 0.02% | -0.17% | -0.31% | -0.33% | -45 bps | |
| Return on Equity | -3.67% | 4.27% | 3.11% | 0.88% | 0.15% | -1.29% | -2.39% | -2.51% | -339 bps | |
| Net Interest Margin | 3.75% | 3.08% | 2.81% | 2.78% | 2.64% | 2.29% | 2.09% | 2.04% | -73 bps | |
| Efficiency Ratio | 96.79% | 80.33% | 82.21% | 89.77% | 93.58% | 103.20% | 108.51% | 115.37% | +2,560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -4.68% | 4.67% | 6.84% | 9.89% | 12.48% | 7.44% | 6.36% | -48 bps | |
| Loan Growth (YoY) | -15.79% | -18.99% | -19.62% | -20.23% | -20.03% | -21.42% | -23.32% | -25.36% | -513 bps | |
| Share Growth (YoY) | -7.84% | -5.00% | 6.91% | 9.63% | 13.42% | 16.14% | 9.04% | 7.65% | -198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.82% | 0.60% | 0.75% | 0.71% | 0.77% | 0.35% | 0.35% | -40 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 | 1.86% | 2.04% | 2.27% | 2.35% | 2.29% | 2.46% | 2.49% | 2.18% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.09% | 14.95% | 14.17% | 14.15% | 13.75% | 13.12% | 12.85% | 12.99% | -116 bps | |
| Net Worth / Assets | 15.09% | 14.95% | 14.17% | 14.15% | 13.75% | 13.12% | 12.85% | 12.99% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.06% | 66.68% | 58.64% | 55.84% | 51.51% | 45.12% | 41.23% | 38.72% | -1,712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |