Greenville, SC · Charter 9602
NCUA · 2 branches
Q1 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.20% | 0.19% | -0.21% | 0.06% | 0.12% | 0.13% | 0.04% | +25 bps | |
| Return on Equity | 2.97% | 2.01% | 1.98% | -2.43% | 0.74% | 1.42% | 1.52% | 0.45% | +288 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.52% | 2.07% | 1.98% | 1.95% | 1.95% | 1.76% | -31 bps | |
| Efficiency Ratio | 93.18% | 95.31% | 94.44% | 106.25% | 98.44% | 96.58% | 96.25% | 100.95% | -530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 11.03% | 13.33% | 21.83% | 12.16% | 17.16% | 12.87% | 6.53% | -1,530 bps | |
| Loan Growth (YoY) | 2.17% | -2.98% | -8.11% | -10.35% | -9.06% | -9.81% | -9.28% | -6.21% | +414 bps | |
| Share Growth (YoY) | 10.62% | 12.16% | 14.59% | 24.69% | 13.35% | 17.02% | 14.20% | 5.66% | -1,902 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.18% | 0.09% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.63% | 0.68% | 0.67% | 0.66% | 0.67% | 0.67% | 0.61% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.80% | 9.53% | 8.67% | 8.56% | 8.50% | 8.58% | 8.32% | -35 bps | |
| Net Worth / Assets | 9.52% | 9.80% | 9.53% | 8.67% | 8.56% | 8.50% | 8.58% | 8.32% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.93% | 46.87% | 43.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |