PackageTrendsPeer
Letter portraitLegal landscape

Georgetown University Employees

Washington, DC · Charter 16046

NCUA · 1 branch

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Georgetown University Employees

Washington, DC · Charter 16046

NCUA · 1 branch

Q2 2021

$15.2MAssets
$5.0MLoans
$15.1MShares
$-60KNet 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 -8.30%, down 725 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (-211 bps YoY).
  • Capital: net worth / assets of -0.39%, down 460 bps from a year ago.
  • Funding: loans stand at 32.82% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-8.30%-725 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-92 bps YoY

Efficiency Ratio (YTD, annualized)

318%+20,191 bps YoY

Net Worth / Assets

-0.39%-460 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets-1.06%-0.80%-1.06%-2.18%-8.30%-725 bps
Return on Equity-25.16%-19.15%-29.60%-73.55%n/an/a
Net Interest Margin3.77%3.61%3.41%2.77%2.84%-92 bps
Efficiency Ratio115.59%117.22%118.03%137.80%318%+20,191 bps
Growth
Asset Growth (YoY)-11.64%2.65%5.02%10.28%-2.78%+885 bps
Loan Growth (YoY)-17.22%-20.64%-24.42%-26.39%-26.46%-923 bps
Share Growth (YoY)-10.95%5.67%6.44%12.50%0.70%+1,165 bps
Asset Quality
Delinquent Loans / Loans2.11%2.09%1.41%0.78%0.00%-211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.63%3.01%3.00%3.03%2.69%-94 bps
Capital
Risk-Based Capital4.20%4.16%3.59%2.96%-0.39%-460 bps
Net Worth / Assets4.20%4.16%3.59%2.96%-0.39%-460 bps
Liquidity & Funding
Loans / Shares44.94%42.10%38.38%34.50%32.82%-1,212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps