Charleston, SC · Charter 17655
NCUA · 1 branch
Q2 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | -1.12% | -11.29% | -94.44% | -36.92% | -3,596 bps | |
| Return on Equity | -12.90% | -10.47% | -764% | n/a | n/a | n/a | |
| Net Interest Margin | 3.10% | 4.25% | 4.65% | 5.21% | 5.68% | +258 bps | |
| Efficiency Ratio | 81.65% | 90.98% | 136.80% | 143.27% | 36.49% | -4,516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.64% | -7.33% | -34.04% | -47.11% | -63.07% | -8,071 bps | |
| Loan Growth (YoY) | 119.76% | 12.09% | -7.98% | -40.50% | -60.85% | -18,061 bps | |
| Share Growth (YoY) | 18.44% | -7.39% | -29.04% | -29.97% | -53.78% | -7,222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.78% | 5.32% | 39.55% | 13.91% | 25.17% | +1,939 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 2.09% | 13.35% | 11.45% | 10.64% | +861 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.43% | 10.68% | 1.48% | -21.70% | -15.98% | -2,341 bps | |
| Net Worth / Assets | 7.43% | 10.68% | 1.48% | -21.70% | -15.98% | -2,341 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.74% | 77.32% | 69.78% | 49.61% | 44.67% | -807 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |