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Emory Alliance

Decatur, GA · Charter 68573

NCUA · 1 branch

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Emory Alliance

Decatur, GA · Charter 68573

NCUA · 1 branch

Q3 2022

$209.0MAssets
$134.0MLoans
$194.7MShares
$16.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, up 70 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.30% of loans (-18 bps YoY).
  • Capital: net worth / assets of 7.67%, up 51 bps from a year ago.
  • Funding: loans stand at 68.82% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.86%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+23 bps YoY

Efficiency Ratio (YTD, annualized)

82.38%-288 bps YoY

Net Worth / Assets

7.67%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.16%0.15%0.42%0.48%0.86%+70 bps
Return on Equity2.29%2.12%6.05%6.62%11.20%+891 bps
Net Interest Margin2.67%2.60%2.59%2.71%2.89%+23 bps
Efficiency Ratio85.26%85.56%87.72%90.49%82.38%-288 bps
Growth
Asset Growth (YoY)11.68%11.59%8.06%5.10%2.30%-938 bps
Loan Growth (YoY)16.73%8.26%2.86%-0.22%6.83%-990 bps
Share Growth (YoY)13.41%13.71%9.42%6.86%4.03%-938 bps
Asset Quality
Delinquent Loans / Loans0.48%0.52%0.50%0.45%0.30%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.33%1.23%1.12%0.90%-30 bps
Capital
Risk-Based Capital7.16%7.00%7.01%7.20%7.67%+51 bps
Net Worth / Assets7.16%7.00%7.01%7.20%7.67%+51 bps
Liquidity & Funding
Loans / Shares67.02%65.29%64.74%64.97%68.82%+180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps