Farmington, NM · Charter 66142
NCUA · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.88% | 0.61% | 0.35% | 0.90% | 1.20% | 1.08% | 0.92% | +57 bps | |
| Return on Equity | 8.66% | 8.54% | 6.13% | 3.75% | 8.94% | 11.66% | 11.17% | 9.32% | +557 bps | |
| Net Interest Margin | 3.18% | 3.21% | 3.01% | 2.72% | 2.67% | 2.68% | 2.08% | 2.05% | -66 bps | |
| Efficiency Ratio | 76.47% | 77.13% | 83.14% | 84.51% | 72.53% | 67.43% | 65.54% | 69.82% | -1,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 1.82% | 1.40% | 9.47% | 8.89% | 13.28% | 18.76% | 11.05% | +157 bps | |
| Loan Growth (YoY) | 1.93% | 0.10% | -2.71% | -4.75% | -5.91% | -6.22% | -6.53% | -3.92% | +83 bps | |
| Share Growth (YoY) | 1.44% | 0.98% | 0.90% | 9.61% | 8.63% | 13.63% | 17.73% | 10.88% | +127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.33% | 0.65% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.51% | 0.51% | 0.63% | 0.69% | 0.75% | 0.72% | 0.71% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.97% | 10.28% | 9.99% | 9.43% | 10.03% | 10.26% | 9.65% | 9.89% | +46 bps | |
| Net Worth / Assets | 9.97% | 10.28% | 9.99% | 9.43% | 10.03% | 10.26% | 9.65% | 9.89% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.85% | 67.27% | 62.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |