Jacksonville, FL · Charter 831
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 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.
Jacksonville, FL · Charter 831
NCUA · 1 branch
Q4 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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.10% | -1.34% | -1.14% | -1.00% | -0.46% | 0.78% | 0.68% | 1.15% | +215 bps | |
| Return on Equity | -9.03% | -11.99% | -10.80% | -9.48% | -4.54% | 6.97% | 6.17% | 9.12% | +1,860 bps | |
| Net Interest Margin | 2.87% | 2.74% | 2.69% | 2.71% | 2.36% | 2.59% | 2.68% | 3.19% | +48 bps | |
| Efficiency Ratio | 117.32% | 118.52% | 118.33% | 110.91% | 89.29% | 73.09% | 74.83% | 70.82% | -4,009 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.95% | 16.53% | 19.33% | 11.06% | 12.40% | 0.08% | -0.46% | -8.32% | -1,938 bps | |
| Loan Growth (YoY) | 1.05% | 4.90% | 9.92% | 0.45% | -6.18% | -12.47% | -18.84% | -18.32% | -1,878 bps | |
| Share Growth (YoY) | 21.79% | 19.73% | 24.67% | 14.74% | 15.35% | 1.79% | -0.98% | -10.30% | -2,503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.33% | 0.62% | 0.78% | 1.17% | 1.05% | 1.57% | 1.50% | +72 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 | 0.46% | 0.57% | 0.52% | 0.75% | 1.01% | 0.95% | 1.09% | 0.87% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.22% | 11.18% | 10.59% | 10.54% | 10.04% | 11.22% | 11.02% | 12.65% | +211 bps | |
| Net Worth / Assets | 12.22% | 11.18% | 10.59% | 10.54% | 10.04% | 11.22% | 11.02% | 12.65% | +211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.15% | 58.86% | 56.47% | 53.16% | 48.12% | 50.61% | 46.28% | 48.41% | -475 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |