Kingsland, GA · Charter 68715
NCUA · 7 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kingsland, GA · Charter 68715
NCUA · 7 branches
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.54% | 0.80% | 0.76% | -1.20% | -165 bps | |
| Return on Equity | 5.03% | 6.04% | 8.77% | 8.50% | -14.66% | -1,969 bps | |
| Net Interest Margin | 2.22% | 2.24% | 2.32% | 2.45% | 2.85% | +63 bps | |
| Efficiency Ratio | 89.13% | 87.12% | 84.07% | 81.90% | 119.77% | +3,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 19.68% | 15.76% | 7.30% | 6.90% | n/a | |
| Loan Growth (YoY) | n/a | 8.51% | 12.66% | 15.53% | 16.40% | n/a | |
| Share Growth (YoY) | n/a | 21.11% | 16.81% | 6.90% | 7.35% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.21% | 0.19% | 0.24% | 0.25% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.32% | 1.08% | 1.07% | 1.00% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.91% | 8.89% | 9.17% | 8.89% | 8.18% | -73 bps | |
| Net Worth / Assets | 8.91% | 8.89% | 9.17% | 8.89% | 8.18% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.64% | 56.00% | 58.48% | 56.81% | 59.25% | +461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |