Atlanta, GA · Charter 67632
NCUA · 3 branches
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 | 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 | |