Winter Park, FL · Charter 68018
NCUA · 1 branch
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
35
Asset Quality
32
Profitability
70
Liquidity
59
Efficiency
77
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.
Winter Park, FL · Charter 68018
NCUA · 1 branch
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 | 0.19% | 0.03% | 0.45% | 0.79% | 0.48% | 0.50% | 0.59% | 0.99% | +19 bps | |
| Return on Equity | 2.06% | 0.31% | 5.70% | 9.22% | 5.34% | 5.43% | 6.06% | 9.11% | -11 bps | |
| Net Interest Margin | 3.67% | 3.73% | 3.34% | 3.74% | 3.84% | 3.89% | 3.74% | 3.98% | +24 bps | |
| Efficiency Ratio | 95.41% | 93.31% | 87.65% | 76.98% | 86.46% | 85.12% | 78.27% | 68.44% | -854 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | -2.05% | 8.30% | 6.77% | 3.70% | -0.73% | -13.51% | -16.38% | -2,315 bps | |
| Loan Growth (YoY) | 8.25% | 18.66% | 16.93% | 12.23% | 3.91% | -5.98% | -11.21% | -14.22% | -2,645 bps | |
| Share Growth (YoY) | -4.78% | -2.35% | 9.56% | 7.60% | 3.96% | -1.22% | -15.31% | -18.45% | -2,605 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.41% | 0.56% | 0.96% | 0.67% | 1.04% | 0.62% | 0.97% | +1 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 | 1.05% | 1.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.01% | 8.76% | 7.94% | 8.62% | 8.94% | 9.28% | 9.66% | 10.84% | +221 bps | |
| Net Worth / Assets | 9.01% | 8.76% | 7.94% | 8.62% | 8.94% | 9.28% | 9.66% | 10.84% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.74% | 82.55% | 74.91% | 78.31% | 81.71% | 78.57% | 78.54% | 82.36% | +406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winter Park, FL · Charter 68018 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
1.00%
Rank 575 of 1,753
Net Interest Margin
3.97%
Rank 568 of 1,752
Efficiency Ratio
68.64%
Rank 401 of 1,748
Equity / Assets
10.83%
Rank 1,138 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.23% | 0.68% | 1.19% | Beats 67% | 575 / 1,753 | n/a | |
| Return on Equity | 9.25% | 1.80% | 5.29% | 9.05% | Beats 76% | 421 / 1,750 | n/a | |
| Net Interest Margin | 3.97% | 2.98% | 3.54% | 4.20% | Beats 68% | 568 / 1,752 | n/a | |
| Efficiency Ratio | 68.64% | 69.58% | 78.86% | 88.33% | Beats 77% | 401 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.96% | 0.22% | 0.59% | 1.20% | Beats 32% | 1,190 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 9.91% | 12.21% | 15.57% | Beats 35% | 1,136 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.83% | 9.91% | 12.21% | 15.57% | Beats 35% | 1,138 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.36% | 55.88% | 73.01% | 86.61% | 67th pctl | 573 / 1,750 | n/a | |
| Loans / Assets | 73.51% | 48.21% | 62.51% | 73.23% | 75th pctl | 435 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||