Savannah, GA · Charter 68556
NCUA · 1 branch
Q3 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | 0.22% | 0.20% | -0.01% | 0.03% | -0.31% | 0.19% | 0.17% | +18 bps | |
| Return on Equity | -0.45% | 1.42% | 1.27% | -0.04% | 0.17% | -2.07% | 1.26% | 1.21% | +125 bps | |
| Net Interest Margin | 4.03% | 3.55% | 3.62% | 3.57% | 3.50% | 3.02% | 3.00% | 3.03% | -54 bps | |
| Efficiency Ratio | 95.48% | 88.24% | 90.54% | 95.89% | 95.64% | 107.65% | 94.63% | 94.48% | -141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.03% | 22.06% | 13.79% | 11.36% | 13.06% | 4.23% | 3.47% | 8.13% | -323 bps | |
| Loan Growth (YoY) | 0.90% | 5.39% | 13.45% | 13.51% | 11.66% | 10.67% | 12.61% | 16.99% | +347 bps | |
| Share Growth (YoY) | 19.06% | 27.13% | 16.53% | 13.76% | 15.74% | 5.12% | 4.14% | 9.40% | -436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.39% | 0.07% | 0.35% | 0.54% | 0.43% | 0.66% | 0.20% | -16 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 | 0.61% | 0.73% | 0.61% | 0.63% | 0.63% | 0.64% | 0.62% | 0.61% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.98% | 15.57% | 15.60% | 15.25% | 15.04% | 14.84% | 15.10% | 14.27% | -99 bps | |
| Net Worth / Assets | 16.98% | 15.57% | 15.60% | 15.25% | 15.04% | 14.84% | 15.10% | 14.27% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.62% | 59.80% | 63.34% | 63.34% | 62.34% | 62.96% | 68.49% | 67.73% | +439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |