Kingsland, GA · Charter 68715
NCUA · 7 branches
Q2 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.46% | 0.47% | 0.45% | 0.54% | 0.80% | 0.76% | -1.20% | -165 bps | |
| Return on Equity | 4.50% | 4.65% | 5.39% | 5.03% | 6.04% | 8.77% | 8.50% | -14.66% | -1,969 bps | |
| Net Interest Margin | 2.63% | 2.55% | 2.21% | 2.22% | 2.24% | 2.32% | 2.45% | 2.85% | +63 bps | |
| Efficiency Ratio | 83.24% | 83.92% | 88.45% | 89.13% | 87.12% | 84.07% | 81.90% | 119.77% | +3,064 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 19.68% | 15.76% | 7.30% | 6.90% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 8.51% | 12.66% | 15.53% | 16.40% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 21.11% | 16.81% | 6.90% | 7.35% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.28% | 0.31% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.41% | 1.35% | 1.39% | 1.32% | 1.08% | 1.07% | 1.00% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 9.82% | 8.75% | 8.91% | 8.89% | 9.17% | 8.89% | 8.18% | -73 bps | |
| Net Worth / Assets | 10.02% | 9.82% | 8.75% | 8.91% | 8.89% | 9.17% | 8.89% | 8.18% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.50% | 60.63% | 52.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |