Atlanta, GA · Charter 67632
NCUA · 3 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
59
Profitability
21
Liquidity
80
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Atlanta, GA · Charter 67632
NCUA · 3 branches
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.73% | 1.24% | -0.10% | 0.43% | 0.50% | 0.03% | -0.15% | -0.19% | -62 bps | |
| Return on Equity | 29.90% | 14.71% | -1.26% | 4.94% | 5.54% | 0.37% | -1.67% | -2.20% | -714 bps | |
| Net Interest Margin | 2.81% | 2.90% | 2.90% | 3.06% | 3.17% | 3.26% | 3.31% | 3.34% | +28 bps | |
| Efficiency Ratio | 57.42% | 74.40% | 102.62% | 90.39% | 87.61% | 95.38% | 102.51% | 102.78% | +1,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 4.19% | 9.56% | -4.78% | -4.94% | -5.06% | -9.21% | -3.78% | +99 bps | |
| Loan Growth (YoY) | 14.99% | 12.65% | 9.75% | 2.82% | -0.12% | -6.29% | -9.07% | -9.96% | -1,278 bps | |
| Share Growth (YoY) | 2.35% | 2.14% | 3.53% | -2.70% | -2.52% | -2.27% | -2.39% | -1.33% | +137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.43% | 0.28% | 0.43% | 0.23% | 0.70% | 0.38% | 0.45% | +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 | 0.40% | 0.62% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 8.46% | 8.01% | 8.69% | 9.10% | 8.95% | 8.84% | 8.74% | +5 bps | |
| Net Worth / Assets | 9.12% | 8.46% | 8.01% | 8.69% | 9.10% | 8.95% | 8.84% | 8.74% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.69% | 73.28% | 73.55% | 72.88% | 71.41% | 70.26% | 68.51% | 66.51% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Atlanta, GA · Charter 67632 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 3 branches
Q2 2024
Return on Assets
-0.19%
Rank 1,548 of 1,753
Net Interest Margin
3.34%
Rank 1,052 of 1,752
Efficiency Ratio
102.77%
Rank 1,614 of 1,748
Equity / Assets
8.74%
Rank 1,543 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.19% | 0.23% | 0.68% | 1.19% | Beats 12% | 1,548 / 1,753 | n/a | |
| Return on Equity | -2.19% | 1.80% | 5.29% | 9.05% | Beats 11% | 1,562 / 1,750 | n/a | |
| Net Interest Margin | 3.34% | 2.98% | 3.54% | 4.20% | Beats 40% | 1,052 / 1,752 | n/a | |
| Efficiency Ratio | 102.77% | 69.58% | 78.86% | 88.33% | Beats 8% | 1,614 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.22% | 0.59% | 1.20% | Beats 59% | 725 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.74% | 9.91% | 12.21% | 15.57% | Beats 12% | 1,544 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.74% | 9.91% | 12.21% | 15.57% | Beats 12% | 1,543 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.51% | 55.88% | 73.01% | 86.61% | 39th pctl | 1,072 / 1,750 | n/a | |
| Loans / Assets | 62.36% | 48.21% | 62.51% | 73.23% | 50th pctl | 880 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||