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Patterson Pump

Toccoa, GA · Charter 22299

NCUA · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Patterson Pump

Toccoa, GA · Charter 22299

NCUA · 1 branch

Q4 2021

$2.3MAssets
$687KLoans
$2.0MShares
$302KNet 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 -9.19%, down 1,016 bps year over year; NIM at -3.11%.
  • Asset quality: problem loans at 3.68% of loans (+1 bps YoY).
  • Capital: net worth / assets of 13.09%, down 789 bps from a year ago.
  • Funding: loans stand at 34.97% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-9.19%-1,016 bps YoY

Net Interest Margin (YTD, annualized)

-3.11%-732 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.09%-789 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.97%0.38%0.17%0.13%-9.19%-1,016 bps
Return on Equity4.61%1.81%0.81%0.59%-70.22%-7,484 bps
Net Interest Margin4.21%3.25%3.16%3.17%-3.11%-732 bps
Efficiency Ratio71.55%78.59%88.46%90.82%n/an/a
Growth
Asset Growth (YoY)-1.06%-2.64%-0.94%0.19%-5.84%-478 bps
Loan Growth (YoY)-27.28%-34.91%-22.53%-11.78%0.22%+2,750 bps
Share Growth (YoY)-2.61%-4.04%-1.43%0.25%1.80%+441 bps
Asset Quality
Delinquent Loans / Loans3.67%1.55%2.82%2.05%3.68%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.55%2.12%2.09%2.56%2.53%-2 bps
Capital
Risk-Based Capital20.98%20.87%20.79%21.56%13.09%-789 bps
Net Worth / Assets20.98%20.87%20.79%21.56%13.09%-789 bps
Liquidity & Funding
Loans / Shares35.52%32.01%35.23%34.72%34.97%-55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps