Tallahassee, FL · Charter 67561
NCUA · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | 0.18% | 0.58% | 0.62% | 0.63% | 0.66% | 0.46% | 0.73% | +12 bps | |
| Return on Equity | -0.24% | 0.69% | 2.90% | 2.96% | 2.98% | 3.02% | 2.14% | 3.35% | +40 bps | |
| Net Interest Margin | 3.41% | 3.65% | 3.89% | 3.99% | 4.09% | 4.24% | 4.40% | 4.52% | +53 bps | |
| Efficiency Ratio | 92.66% | 89.48% | 85.76% | 86.31% | 85.41% | 82.81% | 79.07% | 75.59% | -1,073 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | -5.99% | 0.13% | -1.02% | -2.59% | -1.05% | -2.78% | -1.23% | -21 bps | |
| Loan Growth (YoY) | 8.68% | 11.59% | 17.17% | 11.05% | 6.54% | 2.97% | -4.44% | -5.29% | -1,635 bps | |
| Share Growth (YoY) | -5.59% | -6.19% | 0.26% | -1.48% | -3.89% | -2.29% | -4.08% | -2.69% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.10% | 0.09% | 0.12% | 0.37% | 0.29% | 0.62% | 0.00% | -12 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 | 0.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.32% | 26.17% | 20.16% | 20.91% | 21.22% | 21.74% | 21.34% | 21.87% | +96 bps | |
| Net Worth / Assets | 25.32% | 26.17% | 20.16% | 20.91% | 21.22% | 21.74% | 21.34% | 21.87% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.95% | 94.18% | 94.52% | 98.09% | 97.49% | 99.25% | 94.17% | 95.47% | -262 bps | |
| Liquid Assets / Assets | 98.99% | 0.00% | 97.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |