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 | |