Washington, DC · Charter 16046
NCUA · 1 branch
Q2 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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.39% | -1.09% | -0.06% | -1.06% | -0.80% | -1.06% | -2.18% | -8.30% | -725 bps | |
| Return on Equity | -28.49% | -22.66% | -1.14% | -25.16% | -19.15% | -29.60% | -73.55% | n/a | n/a | |
| Net Interest Margin | 4.57% | 4.46% | 4.06% | 3.77% | 3.61% | 3.41% | 2.77% | 2.84% | -92 bps | |
| Efficiency Ratio | 98.88% | 97.67% | 100.98% | 115.59% | 117.22% | 118.03% | 137.80% | 318% | +20,191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.65% | -21.56% | -19.90% | -11.64% | 2.65% | 5.02% | 10.28% | -2.78% | +885 bps | |
| Loan Growth (YoY) | -2.63% | -2.50% | -6.19% | -17.22% | -20.64% | -24.42% | -26.39% | -26.46% | -923 bps | |
| Share Growth (YoY) | -22.92% | -21.67% | -20.16% | -10.95% | 5.67% | 6.44% | 12.50% | 0.70% | +1,165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.83% | 1.72% | 2.11% | 2.09% | 1.41% | 0.78% | 0.00% | -211 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 | 3.47% | 3.77% | 3.69% | 3.63% | 3.01% | 3.00% | 3.03% | 2.69% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.88% | 4.83% | 4.99% | 4.20% | 4.16% | 3.59% | 2.96% | -0.39% | -460 bps | |
| Net Worth / Assets | 4.88% | 4.83% | 4.99% | 4.20% | 4.16% | 3.59% | 2.96% | -0.39% | -460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.06% | 54.05% | 52.72% | 44.94% | 42.10% | 38.38% | 34.50% | 32.82% | -1,212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |