Maitland, FL · Charter 68412
NCUA · 1 branch
Q4 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.32% | 0.31% | 0.25% | 0.08% | 0.05% | 0.06% | 0.04% | -22 bps | |
| Return on Equity | 3.09% | 2.15% | 2.23% | 1.81% | 0.57% | 0.35% | 0.45% | 0.28% | -154 bps | |
| Net Interest Margin | 3.57% | 3.13% | 2.88% | 2.79% | 2.40% | 2.27% | 2.16% | 2.07% | -72 bps | |
| Efficiency Ratio | 86.74% | 86.68% | 86.41% | 88.27% | 93.88% | 95.37% | 95.86% | 97.13% | +886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.25% | 11.28% | 17.19% | 20.03% | 18.03% | 5.89% | 4.84% | 6.86% | -1,317 bps | |
| Loan Growth (YoY) | -3.74% | -4.10% | 0.66% | -9.19% | -14.18% | -19.14% | -15.83% | -13.15% | -396 bps | |
| Share Growth (YoY) | -0.29% | 12.91% | 20.27% | 23.86% | 21.31% | 6.92% | 5.62% | 8.06% | -1,580 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 0.44% | 0.45% | 2.72% | 0.26% | 2.56% | 2.68% | 2.80% | +7 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 | 0.68% | 0.86% | 0.90% | 0.93% | 0.97% | 0.96% | 0.94% | 0.93% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.11% | 14.64% | 14.06% | 14.05% | 13.82% | 13.96% | 13.48% | 13.18% | -86 bps | |
| Net Worth / Assets | 16.11% | 14.64% | 14.06% | 14.05% | 13.82% | 13.96% | 13.48% | 13.18% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.22% | 47.81% | 43.63% | 41.32% | 38.35% | 36.16% | 34.77% | 33.21% | -811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |