St. Albans, NY · Charter 22344
NCUA · 1 branch
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 6.89% | 0.20% | -0.65% | -1.12% | -523 bps | |
| Return on Equity | 114.26% | 117.53% | 10.11% | -46.84% | -84.05% | -19,831 bps | |
| Net Interest Margin | 0.99% | 3.02% | 0.06% | 4.43% | 0.67% | -31 bps | |
| Efficiency Ratio | 43.41% | 37.39% | 94.93% | 107.24% | 116.27% | +7,286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 519% | 460% | 155.40% | 88.46% | 46.30% | -47,290 bps | |
| Loan Growth (YoY) | 514% | 357% | 142.26% | 121.04% | 90.89% | -42,297 bps | |
| Share Growth (YoY) | 114.34% | 125.55% | 84.07% | -8.43% | -26.07% | -14,041 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 43.01% | 10.42% | 4.42% | 8.94% | 6.61% | -3,640 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.62% | 0.44% | 0.70% | 0.90% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.59% | 5.86% | 1.97% | 1.39% | 1.33% | -226 bps | |
| Net Worth / Assets | 3.59% | 5.86% | 1.97% | 1.39% | 1.33% | -226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 212% | 144.24% | 582% | 556% | 547% | +33,511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |