Roxboro, NC · Charter 20575
NCUA · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Roxboro, NC · Charter 20575
NCUA · 1 branch
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.34% | -1.53% | -1.71% | -2.04% | -2.09% | -2.06% | -3.73% | -19.06% | -1,702 bps | |
| Return on Equity | -3.20% | -3.62% | -3.89% | -4.65% | -4.93% | -4.94% | -9.16% | -129.15% | -12,450 bps | |
| Net Interest Margin | 4.32% | 4.24% | 4.23% | 4.05% | 3.68% | 3.63% | 3.67% | 3.74% | -31 bps | |
| Efficiency Ratio | 130.61% | 135.66% | 139.67% | 150.02% | 156.27% | 156.27% | 157.97% | 484% | +33,382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.06% | -14.24% | -8.63% | -7.17% | -5.94% | -3.35% | -1.22% | 1.96% | +913 bps | |
| Loan Growth (YoY) | 9.98% | 15.01% | 0.49% | -12.03% | -23.77% | -6.99% | -10.30% | -21.74% | -970 bps | |
| Share Growth (YoY) | -15.79% | -20.70% | -11.96% | -9.27% | -6.68% | -2.06% | 4.66% | 55.39% | +6,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.82% | 11.26% | 12.07% | 12.75% | 13.20% | 5.57% | 0.97% | 0.00% | -1,275 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 | 0.88% | 0.41% | 0.44% | 0.25% | 0.28% | 0.23% | 0.42% | 1.44% | +119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 41.82% | 42.28% | 43.86% | 43.87% | 42.33% | 41.60% | 40.68% | 14.76% | -2,911 bps | |
| Net Worth / Assets | 41.82% | 42.28% | 43.86% | 43.87% | 42.33% | 41.60% | 40.68% | 14.76% | -2,911 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.15% | 91.89% | 93.46% | 88.60% | 73.63% | 87.26% | 80.10% | 44.62% | -4,398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |