Greensboro, NC · Charter 15863
NCUA · 8 branches
Q1 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.39% | 0.43% | 0.16% | 0.08% | -61 bps | |
| Return on Equity | 4.43% | 2.74% | 3.09% | 1.17% | 0.65% | -378 bps | |
| Net Interest Margin | 3.93% | 3.44% | 3.32% | 3.14% | 2.70% | -123 bps | |
| Efficiency Ratio | 83.25% | 86.57% | 85.80% | 90.47% | 93.89% | +1,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.89% | 14.96% | 18.60% | 18.51% | 26.88% | +2,299 bps | |
| Loan Growth (YoY) | 5.54% | 0.70% | -3.03% | -5.20% | -6.87% | -1,241 bps | |
| Share Growth (YoY) | 3.19% | 17.06% | 22.13% | 21.33% | 32.77% | +2,958 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 0.88% | 0.79% | 0.76% | 0.43% | -58 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Allowance / Loans | 1.00% | 0.99% | 0.97% | 0.94% | 0.91% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.52% | 14.13% | 14.02% | 13.82% | 12.26% | -326 bps | |
| Net Worth / Assets | 15.52% | 14.13% | 14.02% | 13.82% | 12.26% | -326 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.27% | 67.73% | 66.13% | 64.82% | 54.90% | -2,337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |