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St. Matthews

Virginia Beach, VA · Charter 14745

NCUA · 1 branch

Q3 2020

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: Q3 2020, the quarter ended September 30, 2020, 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

St. Matthews

Virginia Beach, VA · Charter 14745

NCUA · 1 branch

Q3 2020

$5.4MAssets
$1.0MLoans
$4.5MShares
$869KNet 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 -2.14%, down 233 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.14% of loans (-198 bps YoY).
  • Capital: net worth / assets of 16.19%, down 171 bps from a year ago.
  • Funding: loans stand at 23.02% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.14%-233 bps YoY

Net Interest Margin (YTD, annualized)

2.55%-131 bps YoY

Efficiency Ratio (YTD, annualized)

153.70%+6,584 bps YoY

Net Worth / Assets

16.19%-171 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.19%0.05%-1.10%-2.22%-2.14%-233 bps
Return on Equity1.08%0.28%-6.45%-14.10%-13.22%-1,430 bps
Net Interest Margin3.86%3.72%2.95%2.72%2.55%-131 bps
Efficiency Ratio87.86%92.96%134.38%142.73%153.70%+6,584 bps
Growth
Asset Growth (YoY)4.31%2.22%-2.25%0.03%0.05%-426 bps
Loan Growth (YoY)-16.15%-19.22%-24.78%-32.59%-30.68%-1,453 bps
Share Growth (YoY)5.03%2.66%-2.42%1.34%2.28%-275 bps
Asset Quality
Delinquent Loans / Loans2.12%2.53%0.35%0.00%0.14%-198 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.05%1.05%0.44%1.23%0.93%-11 bps
Capital
Risk-Based Capital17.90%17.85%17.11%15.76%16.19%-171 bps
Net Worth / Assets17.90%17.85%17.11%15.76%16.19%-171 bps
Liquidity & Funding
Loans / Shares33.97%33.79%27.88%22.71%23.02%-1,095 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps