Cantonment, FL · Charter 68726
NCUA · 8 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
73
Profitability
34
Liquidity
22
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cantonment, FL · Charter 68726
NCUA · 8 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.31% | 0.43% | 0.60% | 0.42% | -0.10% | 0.03% | 0.12% | -48 bps | |
| Return on Equity | 10.16% | 4.17% | 5.60% | 7.59% | 5.19% | -1.18% | 0.33% | 1.40% | -618 bps | |
| Net Interest Margin | 3.24% | 3.38% | 3.47% | 3.53% | 3.57% | 3.75% | 3.89% | 3.93% | +39 bps | |
| Efficiency Ratio | 82.76% | 89.33% | 87.85% | 86.43% | 87.86% | 95.59% | 94.42% | 92.92% | +649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.00% | 13.95% | 9.27% | -2.20% | -3.61% | -4.53% | -4.66% | -2.14% | +7 bps | |
| Loan Growth (YoY) | 43.53% | 31.33% | 3.74% | -3.25% | -4.00% | -3.24% | -3.22% | -4.63% | -139 bps | |
| Share Growth (YoY) | 13.31% | 7.15% | 2.29% | -6.11% | -1.17% | 0.39% | 0.27% | 1.78% | +789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.21% | 0.15% | 0.17% | 0.22% | 0.32% | 0.28% | 0.29% | +12 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 | 0.13% | 0.17% | 0.20% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.36% | 7.46% | 7.69% | 7.88% | 8.03% | 8.13% | 8.34% | 8.51% | +64 bps | |
| Net Worth / Assets | 7.36% | 7.46% | 7.69% | 7.88% | 8.03% | 8.13% | 8.34% | 8.51% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.24% | 96.74% | 96.65% | 96.27% | 94.45% | 93.24% | 93.29% | 90.21% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cantonment, FL · Charter 68726 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 8 branches
Q3 2024
Return on Assets
0.12%
Rank 1,444 of 1,761
Net Interest Margin
3.93%
Rank 637 of 1,761
Efficiency Ratio
92.91%
Rank 1,490 of 1,754
Equity / Assets
8.51%
Rank 1,603 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | 0.26% | 0.70% | 1.22% | Beats 18% | 1,444 / 1,761 | ||
| Return on Equity | 1.41% | 2.09% | 5.52% | 9.08% | Beats 21% | 1,398 / 1,761 | ||
| Net Interest Margin | 3.93% | 3.03% | 3.59% | 4.25% | Beats 64% | 637 / 1,761 | ||
| Efficiency Ratio | 92.91% | 68.95% | 77.94% | 87.14% | Beats 15% | 1,490 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.27% | Beats 73% | 480 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.51% | 10.05% | 12.42% | 15.87% | Beats 9% | 1,603 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.51% | 10.05% | 12.42% | 15.87% | Beats 9% | 1,603 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.21% | 56.21% | 73.13% | 85.64% | 82nd pctl | 311 / 1,759 | ||
| Loans / Assets | 82.94% | 47.85% | 62.48% | 73.19% | 94th pctl | 112 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||