Baltimore, MD · Charter 14381
NCUA · 1 branch
Q3 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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.87% | 1.06% | 0.95% | 0.89% | 0.79% | 0.02% | 0.29% | 0.30% | -58 bps | |
| Return on Equity | -14.86% | 3.21% | 2.85% | 2.65% | 2.41% | 0.06% | 0.80% | 0.83% | -183 bps | |
| Net Interest Margin | 2.76% | 2.91% | 2.72% | 2.70% | 2.58% | 2.15% | 2.29% | 2.24% | -46 bps | |
| Efficiency Ratio | 61.53% | 63.77% | 65.22% | 67.15% | 69.19% | 98.65% | 85.15% | 84.78% | +1,763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.92% | -11.16% | -10.73% | -3.14% | 1.87% | 2.79% | -6.67% | -8.53% | -538 bps | |
| Loan Growth (YoY) | -23.25% | -24.34% | -29.54% | -15.54% | -14.54% | -18.49% | -16.89% | -16.40% | -86 bps | |
| Share Growth (YoY) | -14.58% | -10.15% | -9.40% | -5.81% | 1.61% | 3.29% | -10.72% | -13.20% | -739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.03% | 13.89% | 14.34% | 14.15% | 14.15% | 13.34% | 12.29% | 11.40% | -275 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 | 14.49% | 15.88% | 16.91% | 16.80% | 17.53% | 19.97% | 19.82% | 20.16% | +335 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.76% | 32.91% | 33.20% | 33.39% | 32.95% | 32.55% | 36.08% | 36.89% | +350 bps | |
| Net Worth / Assets | 32.76% | 32.91% | 33.20% | 33.39% | 32.95% | 32.55% | 36.08% | 36.89% | +350 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.24% | 32.83% | 31.67% | 31.37% | 29.64% | 25.91% | 29.48% | 30.21% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |