Catawbe, SC · Charter 13573
NCUA · 7 branches
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.06% | 0.07% | 0.12% | 0.24% | -0.70% | -0.85% | -3.09% | -321 bps | |
| Return on Equity | 1.56% | 0.61% | 0.68% | 1.20% | 2.61% | -7.86% | -9.60% | -46.58% | -4,777 bps | |
| Net Interest Margin | 3.01% | 2.68% | 2.66% | 2.61% | 2.44% | 2.45% | 2.48% | 2.53% | -8 bps | |
| Efficiency Ratio | 88.74% | 93.30% | 94.25% | 93.59% | 92.55% | 117.58% | 119.46% | 170.45% | +7,686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 11.59% | 14.74% | 16.04% | 19.47% | 8.14% | 5.64% | 0.52% | -1,551 bps | |
| Loan Growth (YoY) | -6.85% | -8.51% | -7.43% | 0.00% | 2.56% | 2.78% | 2.53% | -5.51% | -551 bps | |
| Share Growth (YoY) | 2.62% | 12.35% | 15.75% | 16.50% | 19.95% | 8.75% | 5.91% | 2.56% | -1,394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.39% | 0.29% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.49% | 0.50% | 0.45% | 0.46% | 0.42% | 0.37% | 0.30% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.89% | 9.96% | 9.91% | 9.78% | 9.25% | 8.94% | 8.82% | 6.64% | -314 bps | |
| Net Worth / Assets | 10.89% | 9.96% | 9.91% | 9.78% | 9.25% | 8.94% | 8.82% | 6.64% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.84% | 64.49% | 64.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |