Decatur, GA · Charter 68573
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 | -0.25% | 0.05% | 0.19% | 0.16% | 0.15% | 0.42% | 0.48% | 0.86% | +70 bps | |
| Return on Equity | -3.25% | 0.64% | 2.56% | 2.29% | 2.12% | 6.05% | 6.62% | 11.20% | +891 bps | |
| Net Interest Margin | 2.92% | 2.77% | 2.69% | 2.67% | 2.60% | 2.59% | 2.71% | 2.89% | +23 bps | |
| Efficiency Ratio | 94.77% | 88.06% | 85.41% | 85.26% | 85.56% | 87.72% | 90.49% | 82.38% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.56% | 19.79% | 13.19% | 11.68% | 11.59% | 8.06% | 5.10% | 2.30% | -938 bps | |
| Loan Growth (YoY) | 14.48% | 25.13% | 28.94% | 16.73% | 8.26% | 2.86% | -0.22% | 6.83% | -990 bps | |
| Share Growth (YoY) | 21.60% | 22.83% | 14.98% | 13.41% | 13.71% | 9.42% | 6.86% | 4.03% | -938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.93% | 0.51% | 0.48% | 0.52% | 0.50% | 0.45% | 0.30% | -18 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 | 1.11% | 1.18% | 1.09% | 1.20% | 1.33% | 1.23% | 1.12% | 0.90% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.65% | 7.31% | 7.26% | 7.16% | 7.00% | 7.01% | 7.20% | 7.67% | +51 bps | |
| Net Worth / Assets | 7.65% | 7.31% | 7.26% | 7.16% | 7.00% | 7.01% | 7.20% | 7.67% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.58% | 68.87% | 69.58% | 67.02% | 65.29% | 64.74% | 64.97% | 68.82% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |