Washington, DC · Charter 22686
NCUA · 1 branch
Q3 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 1.42% | -1.87% | -1.52% | -3.38% | -356 bps | |
| Return on Equity | 0.45% | 3.53% | -4.67% | -3.80% | -8.64% | -910 bps | |
| Net Interest Margin | 3.63% | 3.16% | 2.28% | 2.15% | 3.14% | -49 bps | |
| Efficiency Ratio | 95.49% | 108.82% | 175.43% | 163.92% | 120.93% | +2,544 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.35% | -1.04% | 1.22% | -0.26% | -1.14% | +221 bps | |
| Loan Growth (YoY) | -2.61% | -4.10% | -5.55% | -7.89% | -9.42% | -682 bps | |
| Share Growth (YoY) | -5.26% | -3.49% | 2.51% | -0.79% | 0.38% | +564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.10% | 6.40% | 2.91% | 4.50% | 0.46% | -664 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 20.07% | 8.91% | 7.15% | 5.33% | 12.35% | -772 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.00% | 40.28% | 40.13% | 40.11% | 39.08% | -92 bps | |
| Net Worth / Assets | 40.00% | 40.28% | 40.13% | 40.11% | 39.08% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.83% | 29.77% | 28.80% | 27.49% | 26.91% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |