Ft McPherson, GA · Charter 67706
NCUA · 1 branch
Q3 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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.37% | -0.12% | -0.56% | -0.51% | -0.52% | -0.83% | -8.22% | -766 bps | |
| Return on Equity | 3.78% | 3.87% | -1.33% | -6.90% | -6.89% | -7.95% | -14.65% | n/a | n/a | |
| Net Interest Margin | 4.31% | 4.22% | 3.77% | 3.63% | 3.48% | 3.06% | 2.84% | 2.82% | -81 bps | |
| Efficiency Ratio | 86.78% | 87.17% | 94.13% | 103.63% | 103.07% | 112.85% | 122.13% | 333% | +22,947 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.15% | 6.05% | 11.37% | 13.01% | 15.20% | 11.01% | 6.43% | -494 bps | |
| Loan Growth (YoY) | -2.02% | -2.80% | -4.34% | -0.23% | 0.11% | -5.07% | -4.05% | -8.60% | -837 bps | |
| Share Growth (YoY) | -0.56% | 0.30% | 7.80% | 14.19% | 17.89% | 19.22% | 15.01% | 16.09% | +190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.97% | 1.32% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.24% | 1.22% | 1.32% | 1.23% | 1.19% | 1.19% | 0.45% | -87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.34% | 9.54% | 8.66% | 8.11% | 7.36% | 6.57% | 5.63% | 0.00% | -811 bps | |
| Net Worth / Assets | 9.34% | 9.54% | 8.66% | 8.11% | 7.36% | 6.57% | 5.63% | 0.00% | -811 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.60% | 55.92% | 49.71% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |