Lafayette, GA · Charter 67589
NCUA · 2 branches
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.32% | -0.35% | 0.14% | -0.57% | -0.90% | -1.32% | -2.25% | -239 bps | |
| Return on Equity | -1.69% | -2.32% | -2.40% | 0.99% | -4.17% | -7.00% | -10.80% | -18.72% | -1,971 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.91% | 4.27% | 3.53% | 3.03% | 2.76% | 2.26% | -201 bps | |
| Efficiency Ratio | 105.09% | 103.56% | 104.40% | 96.79% | 114.98% | 127.34% | 142.88% | 194.23% | +9,745 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | -1.27% | -1.83% | -7.02% | -3.10% | 0.64% | 7.46% | 4.77% | +1,179 bps | |
| Loan Growth (YoY) | -14.00% | -22.15% | -17.77% | -16.35% | -35.58% | -38.35% | -36.50% | -41.00% | -2,465 bps | |
| Share Growth (YoY) | 0.00% | -1.14% | -1.73% | -7.84% | -3.03% | 1.64% | 10.37% | 7.98% | +1,582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.31% | 0.19% | 0.73% | 0.62% | 1.49% | 0.97% | 0.71% | -2 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 | 1.28% | 1.68% | 2.16% | 3.55% | 5.06% | 7.00% | 5.91% | 8.28% | +473 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.83% | 13.67% | 14.63% | 14.64% | 13.77% | 12.83% | 12.26% | 12.00% | -264 bps | |
| Net Worth / Assets | 13.83% | 13.67% | 14.63% | 14.64% | 13.77% | 12.83% | 12.26% | 12.00% | -264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.44% | 21.27% | 27.81% | 21.93% | 16.90% | 12.90% | 16.00% | 11.98% | -995 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |