Panama City, FL · Charter 7783
NCUA · 6 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 | 0.81% | 0.85% | 0.74% | 0.71% | 0.77% | 0.88% | 0.93% | 1.25% | +54 bps | |
| Return on Equity | 9.06% | 9.51% | 8.87% | 8.35% | 9.35% | 10.50% | 11.23% | 14.66% | +631 bps | |
| Net Interest Margin | 3.51% | 3.39% | 3.10% | 3.15% | 3.05% | 3.04% | 3.25% | 3.37% | +22 bps | |
| Efficiency Ratio | 82.60% | 81.88% | 83.65% | 85.20% | 83.52% | 81.65% | 81.47% | 76.04% | -916 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.59% | 14.79% | 23.85% | 15.19% | 20.64% | 18.96% | 13.33% | 14.78% | -42 bps | |
| Loan Growth (YoY) | 16.94% | 13.32% | 15.99% | 14.36% | 15.60% | 20.72% | 23.02% | 26.58% | +1,222 bps | |
| Share Growth (YoY) | 7.26% | 15.02% | 24.65% | 15.56% | 20.96% | 19.55% | 13.13% | 14.02% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.32% | 0.21% | 0.13% | 0.16% | 0.15% | 0.13% | 0.17% | +4 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 | 0.43% | 0.40% | 0.37% | 0.37% | 0.35% | 0.33% | 0.31% | 0.28% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.98% | 8.89% | 8.35% | 8.46% | 8.24% | 8.35% | 8.28% | 8.51% | +6 bps | |
| Net Worth / Assets | 8.98% | 8.89% | 8.35% | 8.46% | 8.24% | 8.35% | 8.28% | 8.51% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.21% | 76.82% | 73.49% | 77.29% | 75.70% | 77.57% | 79.91% | 85.81% | +852 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |