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Letter portraitLegal landscapeQuarterYTD

Winthrop-University Hospital Employ

Mineola, NY · Charter 21168

NCUA · 1 branch

Q1 2021

$31.8MAssets
$13.3MLoans
$28.3MShares
$3.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.38%, down 938 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.60% of loans (-41 bps YoY).
  • Capital: net worth / assets of 10.04%, down 100 bps from a year ago.
  • Funding: loans stand at 47.05% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.38%-938 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-193 bps YoY

Efficiency Ratio (YTD, annualized)

121.86%+8,727 bps YoY

Net Worth / Assets

10.04%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets8.00%4.29%2.93%2.41%-1.38%-938 bps
Return on Equity72.48%40.82%27.42%22.29%-13.77%-8,625 bps
Net Interest Margin5.13%4.57%4.46%4.23%3.20%-193 bps
Efficiency Ratio34.59%41.47%48.51%51.60%121.86%+8,727 bps
Growth
Asset Growth (YoY)-13.61%0.16%3.69%5.97%12.04%+2,565 bps
Loan Growth (YoY)9.27%5.18%-8.83%-17.32%-21.01%-3,029 bps
Share Growth (YoY)-10.98%-2.66%1.23%3.83%12.79%+2,377 bps
Asset Quality
Delinquent Loans / Loans1.00%1.07%0.73%1.02%0.60%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.99%2.15%2.48%2.99%2.68%+69 bps
Capital
Risk-Based Capital11.04%10.51%10.70%10.80%10.04%-100 bps
Net Worth / Assets11.04%10.51%10.70%10.80%10.04%-100 bps
Liquidity & Funding
Loans / Shares67.19%59.96%57.44%53.43%47.05%-2,014 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps