Atlantic, IA · Charter 60046
NCUA · 2 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.15% | 0.15% | 0.15% | 0.13% | 0.50% | 0.03% | -1.92% | -206 bps | |
| Return on Equity | 3.16% | 1.81% | 2.04% | 1.93% | 1.79% | 7.47% | 0.49% | -33.97% | -3,591 bps | |
| Net Interest Margin | 2.96% | 2.46% | 2.24% | 2.24% | 2.01% | 1.31% | 1.25% | 1.18% | -106 bps | |
| Efficiency Ratio | 93.61% | 95.93% | 95.19% | 95.36% | 95.56% | 84.36% | 98.72% | 180.22% | +8,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.20% | 6.00% | 13.76% | 15.50% | 20.75% | 25.70% | 11.49% | 7.49% | -802 bps | |
| Loan Growth (YoY) | -15.03% | -11.23% | -10.07% | -19.60% | -23.72% | -32.95% | -30.85% | -36.71% | -1,710 bps | |
| Share Growth (YoY) | -0.52% | 6.31% | 15.01% | 16.74% | 22.58% | 27.71% | 12.37% | 9.89% | -685 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.10% | 0.39% | 0.47% | 0.50% | 0.61% | 0.64% | 0.77% | +30 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 | 0.81% | 0.84% | 0.88% | 0.99% | 1.08% | 1.25% | 1.35% | 1.62% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.10% | 7.44% | 7.58% | 7.19% | 6.65% | 6.74% | 5.64% | -194 bps | |
| Net Worth / Assets | 8.52% | 8.10% | 7.44% | 7.58% | 7.19% | 6.65% | 6.74% | 5.64% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.83% | 36.80% | 30.52% | 28.34% | 24.79% | 19.32% | 18.78% | 16.32% | -1,202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |