Quebradillas, PR · Charter 13785
NCUA · 1 branch
Q1 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.95% | -1.49% | -1.16% | -1.62% | -225 bps | |
| Return on Equity | 7.27% | 11.79% | -24.95% | -18.14% | -27.21% | -3,448 bps | |
| Net Interest Margin | 4.10% | 3.63% | 3.34% | 3.51% | 2.98% | -112 bps | |
| Efficiency Ratio | 87.52% | 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 / Loans | 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 |
| Allowance / Loans | 1.03% | 0.86% | 0.91% | 0.89% | 1.16% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.75% | 8.04% | 5.98% | 6.38% | 5.95% | -280 bps | |
| Net Worth / Assets | 8.75% | 8.04% | 5.98% | 6.38% | 5.95% | -280 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |