Morgantown, WV · Charter 12853
NCUA · 2 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.32% | -2.90% | -1.35% | -1.04% | -0.93% | -0.54% | -1.33% | -3.55% | -252 bps | |
| Return on Equity | -45.99% | -67.60% | -34.15% | -25.51% | -24.48% | -15.28% | -39.13% | -209% | -18,379 bps | |
| Net Interest Margin | 4.00% | 3.70% | 3.26% | 3.29% | 3.06% | 2.35% | 2.55% | 2.48% | -81 bps | |
| Efficiency Ratio | 142.98% | 120.77% | 110.88% | 108.94% | 111.58% | 125.01% | 129.98% | 148.38% | +3,943 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.13% | -19.76% | -6.64% | -4.26% | 6.15% | 8.56% | -8.44% | -10.89% | -663 bps | |
| Loan Growth (YoY) | -16.21% | -18.10% | -21.13% | -23.34% | -24.49% | -27.82% | -27.87% | -27.86% | -452 bps | |
| Share Growth (YoY) | -19.30% | -18.26% | -5.49% | 1.90% | 7.32% | 9.18% | -8.06% | -8.79% | -1,069 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.53% | 0.72% | 0.51% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.74% | 0.81% | 1.06% | 1.09% | 1.08% | 1.22% | 1.94% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.05% | 4.29% | 3.96% | 4.06% | 3.79% | 3.54% | 3.41% | 1.70% | -236 bps | |
| Net Worth / Assets | 5.05% | 4.29% | 3.96% | 4.06% | 3.79% | 3.54% | 3.41% | 1.70% | -236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.18% | 85.79% | 74.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |