Quebradillas, PR · Charter 13785
NCUA · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Quebradillas, PR · Charter 13785
NCUA · 1 branch
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.44% | 0.12% | 0.64% | 0.95% | -1.49% | -1.16% | -1.62% | -225 bps | |
| Return on Equity | 5.01% | 4.84% | 1.41% | 7.27% | 11.79% | -24.95% | -18.14% | -27.21% | -3,448 bps | |
| Net Interest Margin | 3.77% | 3.94% | 3.97% | 4.10% | 3.63% | 3.34% | 3.51% | 2.98% | -112 bps | |
| Efficiency Ratio | 90.69% | 91.01% | 97.52% | 87.52% | 80.70% | 134.05% | 125.58% | 144.74% | +5,722 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 4.09% | 2.34% | 3.34% | 15.27% | 24.68% | 16.08% | 14.46% | +1,112 bps | |
| Loan Growth (YoY) | 9.35% | 7.18% | 9.24% | 14.07% | 0.66% | -1.49% | -2.76% | -15.22% | -2,929 bps | |
| Share Growth (YoY) | 3.50% | 4.36% | 2.37% | 3.59% | 16.29% | 26.88% | 17.19% | 18.38% | +1,479 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.49% | 1.50% | 0.53% | 0.05% | 0.00% | 0.11% | 0.33% | -20 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 | 1.11% | 1.16% | 1.07% | 1.03% | 0.86% | 0.91% | 0.89% | 1.16% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.82% | 9.05% | 8.75% | 8.75% | 8.04% | 5.98% | 6.38% | 5.95% | -280 bps | |
| Net Worth / Assets | 8.82% | 9.05% | 8.75% | 8.75% | 8.04% | 5.98% | 6.38% | 5.95% | -280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.59% | 64.11% | 65.33% | 67.57% | 55.91% | 49.77% | 54.21% | 48.39% | -1,918 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |