Morgantown, WV · Charter 12853
NCUA · 2 branches
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | -0.93% | -0.54% | -1.33% | -3.55% | -252 bps | |
| Return on Equity | -25.51% | -24.48% | -15.28% | -39.13% | -209% | -18,379 bps | |
| Net Interest Margin | 3.29% | 3.06% | 2.35% | 2.55% | 2.48% | -81 bps | |
| Efficiency Ratio | 108.94% | 111.58% | 125.01% | 129.98% | 148.38% | +3,943 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.26% | 6.15% | 8.56% | -8.44% | -10.89% | -663 bps | |
| Loan Growth (YoY) | -23.34% | -24.49% | -27.82% | -27.87% | -27.86% | -452 bps | |
| Share Growth (YoY) | 1.90% | 7.32% | 9.18% | -8.06% | -8.79% | -1,069 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.70% | 2.13% | 6.34% | 5.16% | +436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.09% | 1.08% | 1.22% | 1.94% | +89 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.06% | 3.79% | 3.54% | 3.41% | 1.70% | -236 bps | |
| Net Worth / Assets | 4.06% | 3.79% | 3.54% | 3.41% | 1.70% | -236 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.15% | 64.86% | 56.71% | 58.25% | 56.27% | -1,488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |