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Albany Federal Emp.

Albany, GA · Charter 67394

NCUA · 4 branches

Q3 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: Q3 2021, the quarter ended September 30, 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

Albany Federal Emp.

Albany, GA · Charter 67394

NCUA · 4 branches

Q3 2021

$68.9MAssets
$23.2MLoans
$59.8MShares
$8.9MNet 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 -0.33%, down 45 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 0.35% of loans (-40 bps YoY).
  • Capital: net worth / assets of 12.99%, down 116 bps from a year ago.
  • Funding: loans stand at 38.72% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.33%-45 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-73 bps YoY

Efficiency Ratio (YTD, annualized)

115.37%+2,560 bps YoY

Net Worth / Assets

12.99%-116 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.12%0.02%-0.17%-0.31%-0.33%-45 bps
Return on Equity0.88%0.15%-1.29%-2.39%-2.51%-339 bps
Net Interest Margin2.78%2.64%2.29%2.09%2.04%-73 bps
Efficiency Ratio89.77%93.58%103.20%108.51%115.37%+2,560 bps
Growth
Asset Growth (YoY)6.84%9.89%12.48%7.44%6.36%-48 bps
Loan Growth (YoY)-20.23%-20.03%-21.42%-23.32%-25.36%-513 bps
Share Growth (YoY)9.63%13.42%16.14%9.04%7.65%-198 bps
Asset Quality
Delinquent Loans / Loans0.75%0.71%0.77%0.35%0.35%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.35%2.29%2.46%2.49%2.18%-17 bps
Capital
Risk-Based Capital14.15%13.75%13.12%12.85%12.99%-116 bps
Net Worth / Assets14.15%13.75%13.12%12.85%12.99%-116 bps
Liquidity & Funding
Loans / Shares55.84%51.51%45.12%41.23%38.72%-1,712 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps