Cantonment, FL · Charter 5727
NCUA · 9 branches
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.78% | 0.73% | 0.28% | 0.27% | 0.33% | 0.45% | 0.57% | +29 bps | |
| Return on Equity | 8.27% | 8.92% | 8.44% | 3.24% | 3.05% | 3.64% | 5.20% | 7.03% | +379 bps | |
| Net Interest Margin | 3.52% | 3.57% | 3.51% | 3.62% | 3.33% | 3.36% | 3.18% | 2.82% | -80 bps | |
| Efficiency Ratio | 81.39% | 80.87% | 81.15% | 92.12% | 91.29% | 91.30% | 89.24% | 86.32% | -580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 3.35% | 5.91% | 3.98% | 16.35% | 16.91% | 20.80% | 32.69% | +2,872 bps | |
| Loan Growth (YoY) | 7.43% | 1.73% | -0.05% | -0.72% | 5.83% | 9.81% | 7.80% | 8.81% | +953 bps | |
| Share Growth (YoY) | 9.01% | 6.72% | 8.54% | 5.17% | 14.84% | 16.62% | 21.24% | 31.44% | +2,627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.26% | 0.85% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.33% | 0.36% | 0.35% | 0.31% | 0.27% | 0.23% | 0.21% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.49% | 8.71% | 8.66% | 8.68% | 8.98% | 9.03% | 8.74% | 8.06% | -62 bps | |
| Net Worth / Assets | 8.49% | 8.71% | 8.66% | 8.68% | 8.98% | 9.03% | 8.74% | 8.06% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.67% | 94.82% | 93.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |