PackageTrendsPeer
Letter portraitLegal landscape

Fort McPherson

Ft McPherson, GA · Charter 67706

NCUA · 1 branch

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fort McPherson

Ft McPherson, GA · Charter 67706

NCUA · 1 branch

Q3 2021

$27.3MAssets
$10.4MLoans
$27.2MShares
$0KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -8.22%, down 766 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.63% of loans (-25 bps YoY).
  • Capital: net worth / assets of 0.00%, down 811 bps from a year ago.
  • Funding: loans stand at 38.28% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-8.22%-766 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-81 bps YoY

Efficiency Ratio (YTD, annualized)

333%+22,947 bps YoY

Net Worth / Assets

0.00%-811 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.56%-0.51%-0.52%-0.83%-8.22%-766 bps
Return on Equity-6.90%-6.89%-7.95%-14.65%n/an/a
Net Interest Margin3.63%3.48%3.06%2.84%2.82%-81 bps
Efficiency Ratio103.63%103.07%112.85%122.13%333%+22,947 bps
Growth
Asset Growth (YoY)11.37%13.01%15.20%11.01%6.43%-494 bps
Loan Growth (YoY)-0.23%0.11%-5.07%-4.05%-8.60%-837 bps
Share Growth (YoY)14.19%17.89%19.22%15.01%16.09%+190 bps
Asset Quality
Delinquent Loans / Loans0.88%0.98%0.89%0.91%0.63%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.23%1.19%1.19%0.45%-87 bps
Capital
Risk-Based Capital8.11%7.36%6.57%5.63%0.00%-811 bps
Net Worth / Assets8.11%7.36%6.57%5.63%0.00%-811 bps
Liquidity & Funding
Loans / Shares48.62%48.06%44.53%41.47%38.28%-1,034 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps