PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members United

Albany, GA · Charter 24933

NCUA

Q1 2022

$68.6MAssets
$19.3MLoans
$59.9MShares
$8.7MNet 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 -0.77%; NIM at 1.61%.
  • Asset quality: problem loans at 0.51% of loans.
  • Capital: net worth / assets of 12.63%.
  • Funding: loans stand at 32.25% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.77%

Net Interest Margin (YTD, annualized)

1.61%

Efficiency Ratio (YTD, annualized)

128.38%

Net Worth / Assets

12.63%

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.46%-0.77%n/a
Return on Equity-3.59%-6.06%n/a
Net Interest Margin1.98%1.61%n/a
Efficiency Ratio118.51%128.38%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.45%0.51%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans2.24%2.38%n/a
Capital
Risk-Based Capital12.90%12.63%n/a
Net Worth / Assets12.90%12.63%n/a
Liquidity & Funding
Loans / Shares35.48%32.25%n/a
Liquid Assets / Assets0.00%0.00%n/a