Ft McPherson, GA · Charter 67706
NCUA · 1 branch
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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/a | n/a | |
| Net Interest Margin | 3.63% | 3.48% | 3.06% | 2.84% | 2.82% | -81 bps | |
| Efficiency Ratio | 103.63% | 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 / Loans | 0.88% | 0.98% | 0.89% | 0.91% | 0.63% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.23% | 1.19% | 1.19% | 0.45% | -87 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 7.36% | 6.57% | 5.63% | 0.00% | -811 bps | |
| Net Worth / Assets | 8.11% | 7.36% | 6.57% | 5.63% | 0.00% | -811 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.62% | 48.06% | 44.53% | 41.47% | 38.28% | -1,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |