Cantonment, FL · Charter 5727
NCUA · 9 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cantonment, FL · Charter 5727
NCUA · 9 branches
Q1 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.27% | 0.33% | 0.45% | 0.57% | +29 bps | |
| Return on Equity | 3.24% | 3.05% | 3.64% | 5.20% | 7.03% | +379 bps | |
| Net Interest Margin | 3.62% | 3.33% | 3.36% | 3.18% | 2.82% | -80 bps | |
| Efficiency Ratio | 92.12% | 91.29% | 91.30% | 89.24% | 86.32% | -580 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.98% | 16.35% | 16.91% | 20.80% | 32.69% | +2,872 bps | |
| Loan Growth (YoY) | -0.72% | 5.83% | 9.81% | 7.80% | 8.81% | +953 bps | |
| Share Growth (YoY) | 5.17% | 14.84% | 16.62% | 21.24% | 31.44% | +2,627 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.02% | 0.11% | 0.09% | 0.03% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.31% | 0.27% | 0.23% | 0.21% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.68% | 8.98% | 9.03% | 8.74% | 8.06% | -62 bps | |
| Net Worth / Assets | 8.68% | 8.98% | 9.03% | 8.74% | 8.06% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.40% | 88.17% | 89.29% | 82.86% | 77.32% | -1,608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |