Gadsden, AL · Charter 97076
NCUA · 9 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.18% | 1.05% | 0.31% | 0.43% | 0.62% | 0.59% | 0.55% | +24 bps | |
| Return on Equity | 11.85% | 11.08% | 9.69% | 2.87% | 4.12% | 6.03% | 5.73% | 5.50% | +263 bps | |
| Net Interest Margin | 2.98% | 3.02% | 3.01% | 2.99% | 2.91% | 2.82% | 2.83% | 2.93% | -6 bps | |
| Efficiency Ratio | 70.70% | 72.54% | 74.98% | 86.01% | 82.26% | 79.62% | 80.36% | 78.68% | -733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 2.73% | 2.14% | 1.45% | 5.03% | 10.47% | 12.02% | 14.52% | +1,308 bps | |
| Loan Growth (YoY) | 29.03% | 16.11% | 8.60% | 4.20% | 2.68% | 2.08% | 2.03% | 1.78% | -241 bps | |
| Share Growth (YoY) | 1.05% | 0.13% | 0.77% | 4.94% | 8.37% | 11.46% | 14.56% | 11.90% | +696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.31% | 0.26% | 0.41% | 0.45% | 0.35% | 0.55% | 0.74% | +34 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.37% | 10.66% | 10.81% | 10.74% | 10.50% | 10.26% | 10.24% | 10.02% | -73 bps | |
| Net Worth / Assets | 10.37% | 10.66% | 10.81% | 10.74% | 10.50% | 10.26% | 10.24% | 10.02% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.60% | 74.96% | 75.33% | 71.43% | 70.68% | 68.65% | 67.09% | 64.97% | -646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |