Farmington, NM · Charter 66142
NCUA · 3 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 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.
Farmington, NM · Charter 66142
NCUA · 3 branches
Q2 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.90% | 1.20% | 1.08% | 0.92% | +57 bps | |
| Return on Equity | 3.75% | 8.94% | 11.66% | 11.17% | 9.32% | +557 bps | |
| Net Interest Margin | 2.72% | 2.67% | 2.68% | 2.08% | 2.05% | -66 bps | |
| Efficiency Ratio | 84.51% | 72.53% | 67.43% | 65.54% | 69.82% | -1,469 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.47% | 8.89% | 13.28% | 18.76% | 11.05% | +157 bps | |
| Loan Growth (YoY) | -4.75% | -5.91% | -6.22% | -6.53% | -3.92% | +83 bps | |
| Share Growth (YoY) | 9.61% | 8.63% | 13.63% | 17.73% | 10.88% | +127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.74% | 0.85% | 0.66% | 1.32% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.69% | 0.75% | 0.72% | 0.71% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.43% | 10.03% | 10.26% | 9.65% | 9.89% | +46 bps | |
| Net Worth / Assets | 9.43% | 10.03% | 10.26% | 9.65% | 9.89% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.56% | 57.90% | 55.52% | 49.73% | 49.88% | -769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |