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Glamour

Quebradillas, PR · Charter 13785

NCUA · 1 branch

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Glamour

Quebradillas, PR · Charter 13785

NCUA · 1 branch

Q1 2021

$4.0MAssets
$1.8MLoans
$3.8MShares
$239KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.62%, down 225 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.33% of loans (-20 bps YoY).
  • Capital: net worth / assets of 5.95%, down 280 bps from a year ago.
  • Funding: loans stand at 48.39% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.62%-225 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-112 bps YoY

Efficiency Ratio (YTD, annualized)

144.74%+5,722 bps YoY

Net Worth / Assets

5.95%-280 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.64%0.95%-1.49%-1.16%-1.62%-225 bps
Return on Equity7.27%11.79%-24.95%-18.14%-27.21%-3,448 bps
Net Interest Margin4.10%3.63%3.34%3.51%2.98%-112 bps
Efficiency Ratio87.52%80.70%134.05%125.58%144.74%+5,722 bps
Growth
Asset Growth (YoY)3.34%15.27%24.68%16.08%14.46%+1,112 bps
Loan Growth (YoY)14.07%0.66%-1.49%-2.76%-15.22%-2,929 bps
Share Growth (YoY)3.59%16.29%26.88%17.19%18.38%+1,479 bps
Asset Quality
Delinquent Loans / Loans0.53%0.05%0.00%0.11%0.33%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%0.86%0.91%0.89%1.16%+13 bps
Capital
Risk-Based Capital8.75%8.04%5.98%6.38%5.95%-280 bps
Net Worth / Assets8.75%8.04%5.98%6.38%5.95%-280 bps
Liquidity & Funding
Loans / Shares67.57%55.91%49.77%54.21%48.39%-1,918 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps