Hamlet, NC · Charter 21044
NCUA · 2 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.03% | -0.98% | -0.65% | 0.29% | 1.25% | 0.68% | 0.41% | +107 bps | |
| Return on Equity | -5.54% | 0.46% | -16.78% | -10.93% | 5.00% | 22.83% | 12.47% | 7.77% | +1,870 bps | |
| Net Interest Margin | 3.95% | 4.19% | 4.24% | 4.20% | 3.47% | 2.78% | 2.75% | 2.60% | -160 bps | |
| Efficiency Ratio | 106.60% | 99.46% | 95.93% | 95.27% | 93.67% | 98.78% | 103.87% | 105.77% | +1,050 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -12.85% | -7.95% | -6.21% | -6.16% | 16.93% | 18.57% | 21.51% | +2,772 bps | |
| Loan Growth (YoY) | -2.37% | -12.53% | -23.50% | -24.28% | -21.06% | -21.64% | -24.60% | -22.68% | +160 bps | |
| Share Growth (YoY) | -2.32% | -8.88% | -7.59% | -5.95% | -6.09% | 17.93% | 19.06% | 22.49% | +2,843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.67% | 5.53% | 6.26% | 3.27% | 3.87% | 3.82% | 4.34% | 5.24% | +198 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 | 4.37% | 2.71% | 3.98% | 2.97% | 1.76% | 2.86% | 3.08% | 2.96% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.87% | 6.30% | 5.81% | 5.96% | 5.79% | 5.47% | 5.49% | 5.32% | -64 bps | |
| Net Worth / Assets | 5.87% | 6.30% | 5.81% | 5.96% | 5.79% | 5.47% | 5.49% | 5.32% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.87% | 59.41% | 59.30% | 55.12% | 50.32% | 39.48% | 37.55% | 34.79% | -2,033 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |