Augusta, GA · Charter 67399
NCUA · 2 branches
Q2 2023
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.41% | -0.04% | 0.57% | 0.65% | 0.68% | 0.50% | -3.20% | -377 bps | |
| Return on Equity | 6.30% | 5.08% | -0.49% | 7.12% | 7.82% | 7.70% | 5.73% | -44.37% | -5,149 bps | |
| Net Interest Margin | 3.00% | 2.96% | 2.93% | 2.92% | 3.03% | 3.20% | 3.42% | 3.54% | +62 bps | |
| Efficiency Ratio | 89.07% | 89.14% | 85.68% | 81.26% | 80.30% | 79.80% | 82.96% | 163.23% | +8,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.39% | 14.05% | 8.06% | 7.28% | 5.39% | 0.17% | -2.08% | -4.76% | -1,204 bps | |
| Loan Growth (YoY) | 13.28% | 10.59% | 8.59% | 8.63% | 12.24% | 12.93% | 12.59% | 4.96% | -367 bps | |
| Share Growth (YoY) | 16.81% | 15.32% | 8.01% | 7.29% | 4.59% | -1.15% | -4.49% | -4.93% | -1,222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.92% | 0.62% | 1.00% | 0.69% | 0.85% | 0.76% | 0.90% | -10 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 | 0.25% | 0.38% | 0.62% | 0.58% | 0.64% | 0.68% | 0.69% | 0.88% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.22% | 8.12% | 7.85% | 8.05% | 8.31% | 8.77% | 8.81% | 7.21% | -84 bps | |
| Net Worth / Assets | 8.22% | 8.12% | 7.85% | 8.05% | 8.31% | 8.77% | 8.81% | 7.21% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.23% | 57.83% | 56.07% | 58.13% | 61.42% | 66.07% | 66.10% | 64.17% | +605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |