Greenville, SC · Charter 9602
NCUA · 2 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 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.
Greenville, SC · Charter 9602
NCUA · 2 branches
Q1 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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | 0.06% | 0.12% | 0.13% | 0.04% | +25 bps | |
| Return on Equity | -2.43% | 0.74% | 1.42% | 1.52% | 0.45% | +288 bps | |
| Net Interest Margin | 2.07% | 1.98% | 1.95% | 1.95% | 1.76% | -31 bps | |
| Efficiency Ratio | 106.25% | 98.44% | 96.58% | 96.25% | 100.95% | -530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.83% | 12.16% | 17.16% | 12.87% | 6.53% | -1,530 bps | |
| Loan Growth (YoY) | -10.35% | -9.06% | -9.81% | -9.28% | -6.21% | +414 bps | |
| Share Growth (YoY) | 24.69% | 13.35% | 17.02% | 14.20% | 5.66% | -1,902 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.21% | 0.14% | 0.30% | 0.26% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.66% | 0.67% | 0.67% | 0.61% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.67% | 8.56% | 8.50% | 8.58% | 8.32% | -35 bps | |
| Net Worth / Assets | 8.67% | 8.56% | 8.50% | 8.58% | 8.32% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.34% | 36.85% | 36.12% | 34.63% | 34.03% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |