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Blue Cross and Blue Shield of Me

So. Portland, ME · Charter 24249

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

Blue Cross and Blue Shield of Me

So. Portland, ME · Charter 24249

NCUA · 1 branch

Q4 2021

$7.7MAssets
$2.3MLoans
$6.7MShares
$1.1MNet 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 -1.04%, down 67 bps year over year; NIM at 1.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.28%, down 265 bps from a year ago.
  • Funding: loans stand at 34.55% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.04%-67 bps YoY

Net Interest Margin (YTD, annualized)

1.16%-88 bps YoY

Efficiency Ratio (YTD, annualized)

157.84%+4,419 bps YoY

Net Worth / Assets

14.28%-265 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.37%-1.07%-1.10%-0.93%-1.04%-67 bps
Return on Equity-2.21%-7.33%-7.41%-6.50%-7.30%-509 bps
Net Interest Margin2.04%1.12%1.10%1.14%1.16%-88 bps
Efficiency Ratio113.64%162.87%164.99%153.56%157.84%+4,419 bps
Growth
Asset Growth (YoY)25.03%26.60%15.62%21.84%10.47%-1,457 bps
Loan Growth (YoY)-20.35%-22.69%-18.87%-14.27%-9.99%+1,036 bps
Share Growth (YoY)33.08%33.20%20.29%27.45%14.59%-1,848 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.33%2.60%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.21%1.23%1.21%1.25%+12 bps
Capital
Risk-Based Capital16.93%14.63%14.87%14.28%14.28%-265 bps
Net Worth / Assets16.93%14.63%14.87%14.28%14.28%-265 bps
Liquidity & Funding
Loans / Shares43.99%35.23%34.14%33.09%34.55%-944 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps