Tallahassee, FL · Charter 68461
NCUA · 1 branch
Q1 2022
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.79% | 0.93% | 1.13% | 1.24% | 2.27% | 2.04% | 1.50% | +37 bps | |
| Return on Equity | 7.46% | 8.27% | 9.76% | 12.46% | 13.29% | 23.21% | 19.95% | 14.39% | +193 bps | |
| Net Interest Margin | 4.41% | 4.23% | 4.14% | 3.99% | 4.08% | 3.87% | 3.98% | 3.96% | -3 bps | |
| Efficiency Ratio | 74.72% | 73.36% | 71.69% | 72.21% | 71.93% | 59.01% | 62.54% | 78.27% | +606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.46% | 16.48% | 25.47% | 30.08% | 20.70% | 22.68% | 16.08% | 9.13% | -2,094 bps | |
| Loan Growth (YoY) | 15.17% | 9.87% | 10.45% | 12.81% | 12.29% | 10.77% | 6.15% | 4.00% | -881 bps | |
| Share Growth (YoY) | 13.38% | 18.35% | 25.52% | 31.77% | 21.13% | 18.88% | 13.48% | 4.60% | -2,718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.65% | 1.02% | 0.53% | 0.51% | 0.53% | 0.55% | 0.95% | +42 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 | 1.40% | 1.50% | 1.49% | 1.41% | 1.35% | 1.41% | 1.32% | 1.28% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.89% | 9.55% | 9.49% | 9.07% | 9.37% | 9.80% | 10.22% | 10.43% | +136 bps | |
| Net Worth / Assets | 9.89% | 9.55% | 9.49% | 9.07% | 9.37% | 9.80% | 10.22% | 10.43% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.61% | 75.24% | 75.45% | 70.54% | 71.94% | 70.11% | 70.58% | 70.14% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |