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Fieldale

Baldwin, GA · Charter 67385

NCUA · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fieldale

Baldwin, GA · Charter 67385

NCUA · 1 branch

Q4 2021

$9.1MAssets
$1.2MLoans
$7.7MShares
$1.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.14%, up 10 bps year over year; NIM at 0.58%.
  • Asset quality: problem loans at 0.42% of loans (+15 bps YoY).
  • Capital: net worth / assets of 14.67%, up 228 bps from a year ago.
  • Funding: loans stand at 15.18% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

0.14%+10 bps YoY

Net Interest Margin (YTD, annualized)

0.58%+11 bps YoY

Efficiency Ratio (YTD, annualized)

70.93%-370 bps YoY

Net Worth / Assets

14.67%+228 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.04%0.02%0.02%0.03%0.14%+10 bps
Return on Equity0.29%0.12%0.14%0.24%0.92%+63 bps
Net Interest Margin0.47%0.43%0.40%0.47%0.58%+11 bps
Efficiency Ratio74.63%89.31%88.01%86.52%70.93%-370 bps
Growth
Asset Growth (YoY)1.25%-6.12%-9.90%-8.96%-14.74%-1,599 bps
Loan Growth (YoY)-22.80%-30.14%-22.43%-16.55%-11.43%+1,136 bps
Share Growth (YoY)1.43%-6.98%-11.26%-10.22%-17.01%-1,843 bps
Asset Quality
Delinquent Loans / Loans0.27%0.13%0.00%0.37%0.42%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.87%0.88%0.94%0.93%+23 bps
Capital
Risk-Based Capital12.39%13.08%13.25%13.44%14.67%+228 bps
Net Worth / Assets12.39%13.08%13.25%13.44%14.67%+228 bps
Liquidity & Funding
Loans / Shares14.22%13.04%14.09%14.34%15.18%+95 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps