Catawbe, SC · Charter 13573
NCUA · 7 branches
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.24% | -0.70% | -0.85% | -3.09% | -321 bps | |
| Return on Equity | 1.20% | 2.61% | -7.86% | -9.60% | -46.58% | -4,777 bps | |
| Net Interest Margin | 2.61% | 2.44% | 2.45% | 2.48% | 2.53% | -8 bps | |
| Efficiency Ratio | 93.59% | 92.55% | 117.58% | 119.46% | 170.45% | +7,686 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.04% | 19.47% | 8.14% | 5.64% | 0.52% | -1,551 bps | |
| Loan Growth (YoY) | 0.00% | 2.56% | 2.78% | 2.53% | -5.51% | -551 bps | |
| Share Growth (YoY) | 16.50% | 19.95% | 8.75% | 5.91% | 2.56% | -1,394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.20% | 0.25% | 0.26% | 0.46% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.46% | 0.42% | 0.37% | 0.30% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 9.25% | 8.94% | 8.82% | 6.64% | -314 bps | |
| Net Worth / Assets | 9.78% | 9.25% | 8.94% | 8.82% | 6.64% | -314 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.95% | 60.57% | 60.95% | 62.31% | 60.76% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |