St. Albans, NY · Charter 22344
NCUA · 1 branch
Q4 2021
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 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.64% | 9.20% | 4.54% | 4.10% | 6.89% | 0.20% | -0.65% | -1.12% | -523 bps | |
| Return on Equity | -315% | 231% | 154.38% | 114.26% | 117.53% | 10.11% | -46.84% | -84.05% | -19,831 bps | |
| Net Interest Margin | 5.80% | 1.77% | 0.92% | 0.99% | 3.02% | 0.06% | 4.43% | 0.67% | -31 bps | |
| Efficiency Ratio | 227% | 24.73% | 40.47% | 43.41% | 37.39% | 94.93% | 107.24% | 116.27% | +7,286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.93% | 329% | 418% | 519% | 460% | 155.40% | 88.46% | 46.30% | -47,290 bps | |
| Loan Growth (YoY) | 6.92% | 690% | 709% | 514% | 357% | 142.26% | 121.04% | 90.89% | -42,297 bps | |
| Share Growth (YoY) | -4.78% | 5.44% | 85.51% | 114.34% | 125.55% | 84.07% | -8.43% | -26.07% | -14,041 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.20% | 0.19% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.84% | 0.73% | 0.88% | 1.14% | 1.62% | 0.44% | 0.70% | 0.90% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 2.43% | 3.98% | 2.94% | 3.59% | 5.86% | 1.97% | 1.39% | 1.33% | -226 bps | |
| Net Worth / Assets | 2.43% | 3.98% | 2.94% | 3.59% | 5.86% | 1.97% | 1.39% | 1.33% | -226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.24% | 442% | 230% | 212% | 144.24% | 582% | 556% | 547% | +33,511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |