PackageTrendsPeer
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Atl

Wyoming, MI · Charter 24827

NCUA · 1 branch

Q3 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: Q3 2021, the quarter ended September 30, 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 2026-10-10

Atl

Wyoming, MI · Charter 24827

NCUA · 1 branch

Q3 2021

$15.3MAssets
$9.2MLoans
$14.2MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.84%, down 143 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.56% of loans (-105 bps YoY).
  • Capital: net worth / assets of 7.54%, down 125 bps from a year ago.
  • Funding: loans stand at 64.96% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

-0.84%-143 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-129 bps YoY

Efficiency Ratio (YTD, annualized)

112.43%+3,336 bps YoY

Net Worth / Assets

7.54%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-1.77%0.09%0.32%0.59%0.61%0.54%0.64%-0.84%-143 bps
Return on Equity-19.44%1.03%3.81%6.67%7.06%6.48%7.62%-11.20%-1,786 bps
Net Interest Margin4.61%4.75%4.43%4.59%4.58%5.06%4.83%3.29%-129 bps
Efficiency Ratio112.18%92.01%82.04%79.07%77.84%84.48%83.28%112.43%+3,336 bps
Growth
Asset Growth (YoY)-2.50%-8.46%8.26%9.18%13.05%18.58%11.77%9.93%+75 bps
Loan Growth (YoY)-9.14%0.35%11.09%12.32%18.89%14.44%14.40%8.44%-388 bps
Share Growth (YoY)-2.35%-8.69%8.66%12.20%15.18%18.99%14.78%11.64%-56 bps
Asset Quality
Delinquent Loans / Loans1.56%1.59%2.03%1.61%1.45%0.84%0.51%0.56%-105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.95%1.92%2.06%2.20%2.48%2.55%2.21%1.27%-93 bps
Capital
Risk-Based Capital9.09%9.12%8.54%8.79%8.65%8.39%8.38%7.54%-125 bps
Net Worth / Assets9.09%9.12%8.54%8.79%8.65%8.39%8.38%7.54%-125 bps
Liquidity & Funding
Loans / Shares67.66%70.05%68.70%66.88%69.84%67.38%68.47%64.96%-191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps