Portsmouth, VA · Charter 4833
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.68% | -3.00% | -3.34% | -2.95% | -2.76% | -6.23% | -6.24% | -11.88% | -894 bps | |
| Return on Equity | -19.94% | -44.25% | -61.70% | -57.22% | -64.11% | -267% | -444% | n/a | n/a | |
| Net Interest Margin | 4.23% | 2.85% | 2.18% | 2.65% | 3.17% | 4.94% | 3.49% | 4.07% | +142 bps | |
| Efficiency Ratio | 114.73% | 134.44% | 155.61% | 143.49% | 128.13% | 163.05% | 193.69% | 256% | +11,272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | 6.64% | 16.54% | 21.80% | 17.55% | 8.98% | -1.26% | -3.35% | -2,515 bps | |
| Loan Growth (YoY) | 4.24% | -1.15% | 5.41% | 4.50% | 40.14% | 45.59% | 30.77% | 14.73% | +1,023 bps | |
| Share Growth (YoY) | 1.34% | 8.12% | 17.60% | 26.30% | 15.80% | 13.86% | 4.04% | 5.50% | -2,080 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.96% | 10.98% | 3.76% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 2.57% | 2.29% | 0.59% | 2.43% | 3.35% | 2.98% | 2.87% | +228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.42% | 6.79% | 5.42% | 5.15% | 4.30% | 2.34% | 1.41% | -3.91% | -906 bps | |
| Net Worth / Assets | 8.42% | 6.79% | 5.42% | 5.15% | 4.30% | 2.34% | 1.41% | -3.91% | -906 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.82% | 31.25% | 29.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |