Roxboro, NC · Charter 20575
NCUA · 1 branch
Q1 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.04% | -2.09% | -2.06% | -3.73% | -19.06% | -1,702 bps | |
| Return on Equity | -4.65% | -4.93% | -4.94% | -9.16% | -129.15% | -12,450 bps | |
| Net Interest Margin | 4.05% | 3.68% | 3.63% | 3.67% | 3.74% | -31 bps | |
| Efficiency Ratio | 150.02% | 156.27% | 156.27% | 157.97% | 484% | +33,382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.17% | -5.94% | -3.35% | -1.22% | 1.96% | +913 bps | |
| Loan Growth (YoY) | -12.03% | -23.77% | -6.99% | -10.30% | -21.74% | -970 bps | |
| Share Growth (YoY) | -9.27% | -6.68% | -2.06% | 4.66% | 55.39% | +6,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.25% | 0.28% | 0.23% | 0.42% | 1.44% | +119 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.87% | 42.33% | 41.60% | 40.68% | 14.76% | -2,911 bps | |
| Net Worth / Assets | 43.87% | 42.33% | 41.60% | 40.68% | 14.76% | -2,911 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |