Portsmouth, VA · Charter 4833
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 | -2.95% | -2.76% | -6.23% | -6.24% | -11.88% | -894 bps | |
| Return on Equity | -57.22% | -64.11% | -267% | -444% | n/a | n/a | |
| Net Interest Margin | 2.65% | 3.17% | 4.94% | 3.49% | 4.07% | +142 bps | |
| Efficiency Ratio | 143.49% | 128.13% | 163.05% | 193.69% | 256% | +11,272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.80% | 17.55% | 8.98% | -1.26% | -3.35% | -2,515 bps | |
| Loan Growth (YoY) | 4.50% | 40.14% | 45.59% | 30.77% | 14.73% | +1,023 bps | |
| Share Growth (YoY) | 26.30% | 15.80% | 13.86% | 4.04% | 5.50% | -2,080 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 3.55% | 2.12% | 4.14% | 5.95% | +354 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 2.43% | 3.35% | 2.98% | 2.87% | +228 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.15% | 4.30% | 2.34% | 1.41% | -3.91% | -906 bps | |
| Net Worth / Assets | 5.15% | 4.30% | 2.34% | 1.41% | -3.91% | -906 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.23% | 44.55% | 39.96% | 36.69% | 40.49% | +326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |